Ever feel like you're being taken advantage of by your car insurance company? Maybe you were even dropped by your insurance company after the accident.
"They were supposed to protect me, but instead, they dropped me". In this post, we are going to show you the steps to take in case a car insurance company does you wrong.
Let's take this journey together to see how a personal injury attorney can protect you from being... taken for a ride... by your car insurance company.
When you are involved in a traffic accident, your primary concern is your well-being, as it should be. Same goes for the car insurance companies. They are looking out for numero uno. And they have tons of experience dealing with car accident claims and know how to work the system in their favor.
This is why it is important for you to understand what your rights are, and seek out legal help if you have any doubts about what is going on.
If you are involved in a car accident, here are some of the main things that you should look out for when dealing with the insurance company.
Telling you they need a recorded statement.
One of the best ways for insurance companies to protect themselves from having to pay out a more substantial settlement is to get the accident victim to make a recorded statement as soon as possible.
The insurance company's train their employees to be very cunning and manipulative for this very reason. They will call victims, and sweet talk them into giving statements regarding the details of their situation.
Often they will tell the victim that the only reason for this is so that they can speed up the claims process and get them the money they deserve. Lie. Lie. Lie.
The reason they want a recorded statement as soon as possible is so that they have on record your account of the accident and your injuries.
It is dangerous to give them these details. Many injuries sustained in car accidents can take time to set in so you may not realize that you have them.
If you give a statement to your insurance company and don't include an injury because you did not realize you had it yet, the resulting medical bills and pain and suffering damages will not be able to be included in your settlement.
The same goes for damages to your vehicle. If you tell them that you think there is only minor damage or it was just a fender bender, and then later find out that the damage was more severe, they will use your statement against you and claim that the more severe damage must have been the result of something else.
Offering a Small Settlement.
Getting the victim of a personal injury accident to accept the lowest settlement offer possible is the number one goal for insurance companies. Writing a check for a small sum and getting the victim to cash it gets them off the hook for future claims.
They use this tactic because they know how vulnerable accident victims are especially in the days and weeks following their accident.
Being involved in a car accident can put a person in an uncomfortable financial situation. They are desperate to get their medical bills and car damages paid for as soon as possible so that they can return to their routine.
Insurance companies are well aware of this and use it to their advantage. They know the position people are in and if they offer a check up front, most people will at least be tempted to accept it just to end the ordeal.
If the victim is willing to fight though, they can get a significantly higher settlement offer by using a personal injury attorney.
Ignoring your Calls.
Stalling tactics are often used by insurance companies to frustrate and manipulate accident injury victims. Whatever they can do to get someone to give up on their case they will.
Ignoring phone calls, emails, transferring calls, losing paperwork, all of these are done intentionally to try and dissuade a person from pursuing a lawsuit and accepting a low-ball settlement offer.
Playing dumb and stalling the process is surprisingly encouraged. This leads to people getting frustrated and wanting a quick resolution to their case, even if it means they are giving up a possibly significant settlement.
Another reason why insurance companies will do this is that of the statute of limitations laws. In personal injury cases, different states have different lengths of times that a person has following an accident to file a lawsuit.
Once that window has expired, the victim is not allowed to take legal action, essentially letting the insurance company off the hook.
Stalking You Online
This is a fairly new tactic but can be devastating to a personal injury lawsuit. Insurance companies have begun to follow the victims of accidents online. They do this to try and gather information about the victim that can be used against them in a lawsuit.
Anything from pictures and statuses can be compiled by the insurance companies. They will use this type of evidence to try and show that a person is either exaggerating their injuries or lying about different aspects of their case.
This is why it is incredibly important to be careful with what you post online especially if you are involved in a lawsuit.
If you have been in an accident, the best way to protect your legal rights from the insurance companies is by hiring an experienced personal injury attorney.
Like the insurance companies, Personal Injury attorneys are experienced with these types of cases and know the tactics that they try and use to get out of paying fair settlement amounts.
A personal injury attorney will make sure that your settlement will include compensation for all of the expenses you have as well as pain and suffering.
If you would like to speak with a personal injury attorney about your accident, click on the link below and receive a free consultation today.