When you’re involved in an auto accident, one of the most crucial steps is filing an insurance claim to cover damages and injuries. However, dealing with insurance agents can be a challenging and sometimes frustrating experience. That’s because insurance companies often employ various tactics to minimize payouts and protect their bottom line. It is crucial that you are aware of the common tactics used by insurance agents when handling auto accident claims and provide insights to help you navigate the process effectively.
Delaying Tactics
One of the tactics frequently employed by insurance agents is delaying the claims process. They may drag their feet in responding to communications, scheduling inspections, or processing paperwork. By prolonging the process, insurance companies hope to pressure claimants into accepting lower settlements out of frustration or desperation.
Lowball Offers
Insurance agents are trained to minimize payouts whenever possible, often by making lowball settlement offers to claimants. These initial offers may not fully cover the extent of your damages, including medical expenses, vehicle repairs, lost wages, and pain and suffering. It’s essential to carefully evaluate any settlement offers and consult with legal professionals, like a an auto accident lawyer, before accepting them.
Disputing Liability
Another common tactic used by insurance agents is disputing liability for the accident. They may argue that their policyholder was not at fault or that you contributed to the accident in some way. This tactic is designed to shift blame and reduce the amount of compensation you’re entitled to receive. It’s crucial to gather evidence, such as witness statements, police reports, and photographs, to support your version of events and refute any false claims of liability.
Questioning The Severity Of Injuries
Insurance agents may also question the severity of your injuries or dispute the necessity of certain medical treatments. They may request additional documentation or medical records to justify their skepticism and potentially deny coverage for certain expenses. It’s essential to keep thorough records of your medical treatment, including doctor’s notes, diagnostic tests, and rehabilitation therapy, to support your compensation claim.
Pressuring You To Settle Quickly
Insurance agents often try to pressure claimants into settling their claims quickly, sometimes before they’ve had a chance to fully assess the extent of their injuries and damages. They may use tactics like offering fast cash settlements or imposing deadlines for accepting offers. However, it’s essential to take your time and carefully consider all aspects of your claim before agreeing to a settlement. Consulting with legal professionals can help ensure that you’re not being taken advantage of and that you receive fair compensation for your losses.
Learn What To Do After Your Auto Accident
Dealing with insurance agents can be a challenging aspect of filing an auto accident claim. However, with the help of experienced legal professionals like those at Rispoli & Borneo P.C., you can navigate the process with confidence and pursue the compensation you deserve. If you’ve been injured in an auto accident, don’t hesitate to schedule a call for a consultation.