Tricks Used By Insurance Companies To Minimize Your Injury Claim

Tricks Used By Insurance Companies To Minimize Your Injury Claim

Unfortunately, car accidents are not always avoidable. The trauma that comes from these accidents can affect you physically, mentally, and financially. For many people, the issues are not left at the scene of the accident, in fact they are only beginning. Dealing with predatory insurance companies, to seek the compensation you need for your injuries and other damages can be an uphill battle, especially when you try to do it without the help of an experienced car accident attorney. Luckily, the Law Firm of Beverly R. Caruthers is here to help you! Our team knows that insurance companies will do anything in their power to try and minimize your claim so they can pay you as little as possible. Insurance adjusters may deny, delay, or drag out the process to wear you down, in hopes to discredit you, or have you end your pursuit for fair compensation. When you pair up with Attorney Caruthers, you are working with an experienced car accident attorney that is willing to fight for your justice!


If you’ve been injured in an accident and are seeking compensation, take note of these common tricks used by insurance companies to minimize your injury claim:


They Will Tell You Not To Hire An Attorney: Many insurance companies will try to downplay the severity of your situation, insinuating or coming right out and telling you that you do not need an attorney. If an insurance company is at all trying to persuade you into not hiring a personal injury attorney this is a red flag that they know you deserve more money than they are offering you. Contact the Law Office of Beverly R. Caruthers right away. Our team works with you to get justice in your case. We offer no-cost, no-obligation, consultations for personal injury and car accident cases. If we don’t think we can get you more money than they are offering we will not take your case. 


They Claim They Are Being Fair: Insurance adjusters are not idiots, their entire job is centered around manipulating individuals who have been involved in car accidents and talking them into trusting them. They may explain to you how they are being fair and want to take care of your issue as quickly as possible, persuading you to release information to them such as your medical records, bills, or more. This is a trick to lower your guard, obtain crucial information from you, then use it against you anyway they can. Insurance adjusters are notorious for dragging out cases for as long as possible, trying to ride out the statute of limitations on your case so that you lose all of your chances of recovering fair compensation in your case. Insurance companies are only worried about protecting their bottom line and will never put your wellbeing over their finances. Do not get tricked by insurance companies, instead, work with the experienced personal injury team at the Law Office of Beverly R. Caruthers today. 


They Say They Will Pay Your Bills: Insurance companies will swear up and down that they want to take care of your needs, to grant them access to your medical records and bills so that they can alleviate the stress for you and pay for your expenses. What they really want is insider information to the exact physicians you are seeing, the diagnosis you have been given, which treatments you are going through, and your health prior to the accident. They will go out of their way to discredit the benefits of the treatments and testing you have done, claiming they are unnecessary and a waste of money, or even claiming you went to doctors that were too expensive- in attempts to only have to pay for a portion of your care. These predatory tactics allow them entry to only paying for part of your medical bills, leaving you with the rest of the costs. They may pay your emergency room bill, but then conveniently forget to pay for the ambulance that took you there, the lab bill, and your physician’s fees. Not to mention all of the care you will need once you are released from the hospital. Insurance companies do not care if you live with chronic pain or never regain full mobility again, they have teams of people working against you to pay out as little as possible. Do not face these companies on your own, instead work with Attorney Beverly R. Caruthers! She won’t back down to their bull tactics and will fight for your justice!


Fake Empathy: Insurance companies know how to make you feel like they care about what you have been through. They will empathize with you, apologize on behalf of their driver, and do everything they can to make you agreeable and feel like they have your best interest in mind. Protect yourself by remembering you are just a number, an obstacle in the way of their true goal, keeping their money THEIR money. Everyone is nice until they see exactly how much your medical expenses work out to, and then all of a sudden you will feel a shift in the way these companies treat you. They will be difficult to get a hold of, they will try to say you were partially at fault, and do everything else under the sun to get away with paying you less than you deserve. Do not be a victim twice! Instead, partner up with the toughest car accident attorney in the Greater Houston area, Attorney Beverly R. Caruthers!


They Will Ask For Your Medical Records: When insurance companies ask for access to your medical records, they do not just mean the records pertaining to your accident. These companies are looking for everything they can find about your health leading up to the accident. They have ways of tracking down records you do not even know about, or digging up decade old history from medical practices that do not even exist anymore. If they are able to find any evidence that you have had prior physical issues, such as back pain, headaches, etc. they will use this as a way to show your injuries were not all a result of the accident you were in. This is a very commonly used tactic that can ruin your case. Do not release your medical records without speaking to your attorney, under any circumstance. Even if the insurance company tells you they won’t be able to settle with you without seeing your prior medical record. This may not be accurate information, and you should consult with an injury attorney about your legal rights.


Insurance Company Settles Without Paying Bills: You may be under the impression that all of your medical bills have already been paid by the insurance company, so whenever they tell you the number they are willing to settle for, you agree. Then, all of a sudden you start getting collection letters in the mail informing you that your medical bills were never paid. It may even get to the point that your insurance company expects you to reimburse them due to the way the insurance company handled your medical bills. Never accept an offer from an insurance company without first consulting with an experienced personal injury attorney in your case. 


 Whenever you have suffered an injury as a result of a car accident, things can become overwhelming quickly. Not only will you be dealing with an injury, you will also be forced to take on the responsibility of expensive medical bills, property damage, and endless questions from insurance company representatives that are waiting for you to say the wrong thing. 


Following an accident involving another driver, especially in accidents involving injury, you will be asked to speak with an insurance adjuster for the other driver involved. The insurance adjuster knows you are shaken up, anxious, and worried- which they will use against you in every way that they can. These predatory adjusters will use this high-stress situation and your lack of knowledge about car accident claims, to minimize your problems and entrap you in any way possible. They will often ask you the same question many times worded differently, looking to find inconsistencies, even small ones, in order to attack your character, claiming you are dishonest and trying to milk the situation for as much money as possible. This can be very difficult to protect yourself against, especially when you are already in a weakened state. 


Luckily, working with an experienced car accident attorney, such as Attorney Beverly R. Caruthers can help you not become a victim twice. When you work with a personal injury attorney, especially one with as much experience as Attorney Caruthers, insurance companies will immediately take you more seriously and know that their typical predatory tactics will not be as easy to use against you. This is because cases handled by personal injury attorneys are more difficult for them to strong-arm you into answering too many questions or revealing irrelevant information that they will use against you. Never provide an insurance company with information following an accident without first contacting your personal injury attorney. The sooner you contact your personal injury attorney following your accident, the better your odds at fair compensation will be. 


Drivers have the ability to take their safety into their own hands, however, car accidents cannot always be avoided. Whenever you have the misfortune of being involved in an accident due to the reckless or negligent actions of another driver, working with an experienced car accident attorney can help to protect your rights and protect you throughout the process by ensuring you are not blamed for the accident and that you receive the compensation you deserve. We understand how physically, emotionally, and financially straining car accidents can be, this is why we put your need first. If our team is unable to negotiate reasonable compensation, we can help you file a personal injury lawsuit seeking additional compensation in your case. Learn more about how we can help you get the justice you deserve when you fill out this form.


Abogado de accidentes automovilísticos de habla hispana

Too often Spanish-speaking individuals feel they will not be able to find justice in their car accident cases, causing them to not take action against those who have left them with financial devastation and physical trauma. At the Law Office of Beverly R. Caruthers, our team refuses to let a language barrier affect your right to justice and compensation. If you or someone you love has been injured in an accident and is in need of Spanish-speaking legal advice, our team is here for you. We make it simple for those who have been injured in car accidents to navigate the legal system in order to get the results they need to continue on in their lives. Schedule your no-obligation car accident consultation with Attorney Caruthers today. Our team will work with you every step of the way to ensure your needs are being met and that you are getting the treatment you deserve in your car accident case. Don’t hesitate, the sooner you call the more we can do to get you results.


Best Car Accident Attorney in Houston TX

If you have been injured, experienced loss of income, or are unable to work because of a car accident, you can benefit from the services of a Houston car accident expert in your personal injury case. Whether you missed work due to an injury or due to not having access to a vehicle, Attorney Beverly R. Caruthers can help you! Our team works hard to bring the most efficient and practical solutions to your car accident case. Beverly R. Caruthers proudly serves and defends the Greater Houston area including but not limited to Baytown, Conroe, Crosby, Humble, Huntsville, Lake Jackson, Missouri City, Pasadena, Spring, Tomball. Our legal team is bilingual and offers Spanish speaking legal counsel for all of our clients. If you need legal representation following an incident don’t hesitate to contact Beverly R. Caruthers Law Office! 



Beverly R Caruthers Law Office
Address: 4141 Southwest Fwy, Suite 620
Houston, TX 77027
(713) 526-9557
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