Secrets Insurance Companies Don’t Want You To Know
If you have been injured in a car accident and it was deemed the other drivers fault, the chances are good that you will be in communication with the at-fault party’s insurance company. However, while you may think these are the good guys, who are here to provide you with the compensation you need for your injuries and damages, that could not be farther from the truth. The insurance adjuster is solely interested in protecting the interest of the company they work for- meaning they will do everything they can to lower the amount of money they pay you, by denying and devaluing your claim as much as they can.
These are the tricks you need to look out for to protect your best interest:
-Calling You Immediately After Injury: The insurance company will most likely try to reach out to you before you have had a chance to process or identify the extent of your trauma. They do this to throw you off and catch you when you are vulnerable. Their other main goal, is reaching you before you have had a chance to reach out to a lawyer. Tell them, you cannot talk yet and that you will get back to them with a lawyer. This allows you time to adjust, inform yourself, and get the help of a professional.
-Asking For A Statement: It does not seem unusual or out of normal expectations for insurance adjusters to ask you to explain the events from your perspective. However, they are trained to lead you to answer questions in ways that can potentially devalue your claim. Be very careful what you say to them, and let them know you are not ready to talk until after you have spoken with your lawyer.
-Medical Authorization: Do not sign over you medical authorization to insurance companies. They will use this permission you grant them to dig into your past and try to find any record of prior injuries or issues you have had, all with the goal of devaluing your claim.