Navigating Personal Injury And Insurance Tactics
When you’re involved in a personal injury accident, you’re likely to face a daunting and often complex process of dealing with insurance companies. While insurance is meant to provide financial protection, it’s essential to understand that insurance companies are businesses with their own interests in mind.
1. Delaying Claim Processing
One common tactic employed by insurance companies is to delay the processing of your claim. They may request excessive documentation, ask for repeated statements, or simply drag their feet in addressing your case. This delay can be frustrating, especially if you’re dealing with mounting medical bills and other expenses.
2. Offering Low Settlements
Insurance adjusters may offer quick settlements that seem tempting at first glance. However, these initial offers are often far lower than the full compensation you may be entitled to. Accepting a low settlement can leave you financially vulnerable, especially if your injuries require ongoing medical treatment.
3. Shifting Blame
Insurance companies may attempt to shift blame onto you or other parties involved in the accident. They might argue that you share a portion of the responsibility, thereby reducing the amount they need to pay. It’s crucial to have strong evidence to counter such claims.
4. Disputing Medical Necessity
Insurance adjusters may question the necessity of certain medical treatments or procedures. They might argue that a particular treatment was excessive or unrelated to the accident. Be prepared to provide medical records and expert opinions to support your claims.
5. Using Recorded Statements Against You
Insurance adjusters often request recorded statements from accident victims. While it’s essential to cooperate, it’s equally important to be cautious about what you say. Anything you say during a recorded statement can be used against you, so it’s advisable to consult with an attorney before providing one.
Protecting Your Rights and Interests
A trusted Apopka, FL personal injury lawyer can tell you that dealing with insurance companies’ tactics can be overwhelming, especially when you’re trying to recover from injuries. Here are some steps to help protect your rights and interests:
- Consult an Attorney: Seeking legal representation is one of the best ways to level the playing field. An experienced personal injury attorney can negotiate on your behalf and ensure you’re not taken advantage of.
- Document Everything: Keep detailed records of all accident-related expenses, medical bills, and communication with the insurance company.
- Be Cautious with Statements: Avoid making statements to the insurance company without consulting your attorney.
- Know Your Policy: Familiarize yourself with your insurance policy to understand your coverage and rights.
- Don’t Rush Settlements: Resist the urge to accept quick settlements. Consult with an attorney to assess the full value of your claim.
In conclusion, insurance tactics can make the personal injury claims process challenging, but you don’t have to face it alone. At Presser Law, P.A., we’re here to help you navigate the complexities of personal injury cases and deal with insurance companies on your behalf, so give us a call today.