Friend or Foe: Insurance Companies are not on Your Side
Let’s be real: dealing with insurance companies after a car accident is like trying to navigate a maze filled with trap doors and secret rooms. These companies have been in the business of denying and minimizing claims for a long time, and they’ve got a few tricks up their sleeves that they will try to use to take advantage of you. Here’s how they play the game and what you need to watch out for:
1. Getting Your Statement on the Record Early
Imagine this: you’ve just had an accident and are still reeling from the shock. The insurance adjuster calls and asks for a recorded statement. They say it’s just a formality, but what they really want is to catch you off guard. They’ll use anything you say against you later, twisting your words to minimize their payout. Pro tip: avoid giving any statements until you’ve consulted with an attorney- even if you don’t immediately notice any injuries. It’s like playing poker with someone who already knows your hand.
2. Offering a Quick Settlement
They know that after an accident, you’re probably dealing with a mountain of medical bills and stress. So, what do they do? They swoop in with a quick settlement offer. The catch? They’re betting that you don’t know the full extent of your injuries or future expenses. It’s like offering someone a quick buck for a winning lottery ticket before they even scratch it off. Don’t take the bait; it’s often way less than you’re actually entitled to.
3. Using Deliberate Confusion
Adjusters might use complex legal jargon or obscure policy details just to confuse you. The more confused you are, the more likely you are to accept a lower offer or agree to unfavorable terms. Don’t hesitate to ask for clarification and consult with an attorney who not only corrects the insurance companies, but also ensures your complete understanding of your coverages.
4. Misleading You About Available Coverage
Insurance companies may mislead you about the coverage limits of your policy, either by downplaying what is actually available, or failing to disclose all applicable policies. An experienced attorney can investigate all available coverage without relying on representations from the insurance company.
5. Claiming Your Injuries Are Pre-Existing
One of their favorite moves is to argue that your injuries were pre-existing, even if the accident made them worse. They’ll dig through your medical history and try to pin your current problems on something that happened years ago. It’s their way of saying, “Not our problem!” Make sure you document everything thoroughly and consult a medical professional to establish a clear connection between the accident and your injuries.
6. Shifting the Blame
Sometimes, they’ll argue that you’re more than 50% at fault for the accident, which (in Florida) can completely wipe out your claim. They love to nitpick, finding ways to blame you even if it’s just a small fraction of the fault. Keep detailed records and evidence to support your version of events, and get an experienced attorney early who can counter these tactics effectively.
7. Convincing You That Hiring an Attorney is Too Expensive
Insurance companies will often suggest that hiring an attorney isn’t worth the cost, implying it’s too complicated or expensive. They’d rather you handle it on your own because it’s much easier for them to lowball you without legal representation. Don’t fall for it. Our firm works on a contingency basis, meaning we only get paid if you win your case. It’s a smart move to have someone in your corner who knows the ropes.
8. Delaying the Claim
If they can’t outright deny your claim, they’ll delay it. The longer they drag their feet, the more likely you are to get frustrated and accept a lesser offer just to end the hassle. They’re betting on you getting worn down. Be persistent and keep pushing forward. Delays are just another tactic to wear you down.
9. Skipping Real Investigations
Insurance companies might claim they’re thoroughly investigating the accident, but often they don’t dig deep. They might rely on incomplete reports or the word of their insured driver, and they almost never obtain relevant surveillance footage when available. Often, they ignore critical evidence that could support your claim because they’re hoping you won’t push back. Make sure to collect as much evidence as possible and work with your attorney to ensure a thorough investigation.
10. Downplaying Long-Term Effects
Insurance companies may downplay the long-term impact of your injuries, suggesting that you’ll be fine, recover quickly, or that any future issues are unlikely. They do this to limit their liability. Ensure you have a detailed assessment from an actual healthcare provider regarding the actual long-term implications of your injuries.
Insurance companies are not your friends; they’re businesses out to minimize their payouts. Knowing their tactics and preparing yourself with the right knowledge and legal help can make a world of a difference. Remember, it’s your right to be fully compensated for your injuries and with the right support, you can make sure that you get what you deserve. So, stay sharp, stay informed, and don’t let them take advantage of you.