When you get involved in an accident that damages your car or property or leads to injuries, after getting medical treatment, the next thing is to contact your insurance company to get compensation. You should hire a professional from a reliable law firm, like Duck Law Firm, LLC, who can help you get compensation from the insurance company.
Although insurance companies are supposed to provide financial relief when one is involved in such an accident, it has been discovered over the years that these companies try to avoid paying the required compensation. If they can’t, they try to undercompensate. This is not surprising given that these companies are established to make a profit, even though they also exist to render financial help.
The professional you’ll talk to when you file your claim is the insurance adjuster. These individuals are responsible for reviewing the case to ascertain how much your due compensation is. A common mistake victims make is to trust these individuals, believing that they have their best interests in mind. This is far from the truth, and this article will reveal why you shouldn’t trust insurance adjusters.
Opposing Objectives
As we said, once you file your claim with your insurance provider, they’ll transfer you to an insurance adjuster. This individual will evaluate your case’s evidence to determine the amount your insurance provider should compensate you. During this evaluation, they will value your losses, examine damages, inspect fault attribution, and assess the reports and treatment breaks.
On the surface, this looks like a fair process, right? Well, the issue with the assessment is that the adjuster is employed by your insurance company. As a result, they are incentivized to reduce their compensation amount to maintain the insurance provider’s bottom line. This opposing objective can lead the adjuster to sabotage your claim.
Asking for Recorded Statements
When you’re directed to the insurance adjuster, they might request that they record your statements. Another method they utilize is to inform you that the call is being recorded. If you agree, then it means you’ve given your consent for your statements to be recorded. While this might seem harmless, the issue is that these statements can serve as implicating evidence against you as the compensation process continues.
Intentionally Misinterpreting the Claim’s Policy Terms
These adjusters can intentionally misinterpret your claim’s policy terms. The reason for this is to deny the company’s responsibility or coverage.
Therefore, they might request that you present a ridiculous amount of evidence. They can also refer to false points that reveal why your claim cannot be granted.
Downplaying your Injuries
Another evil thing insurance adjusters do is downplay your injuries. In other words, they make it seem less significant than it is. For instance, they might term a serious burn you got from a motorcycle accident as a simple road rash.
You can read this article to learn how to take care of a road rash. When an adjuster uses such dirty tactics, it can be quite challenging to prove your case. Therefore, the best way to counter such evil tactics is to hire the services of an attorney.
Delay Strategies
When the processing of an insurance claim is delayed, it places a greater financial burden on the injured victim. Insurance companies practice this underhanded delay strategy by making the claim process drag for an extended period.
The aim is that you’ll end up getting frustrated and agreeing to a lower compensation amount than the actual amount.
Final Thoughts
The tactics employed by insurance adjusters underscore the necessity of approaching insurance claims with caution and seeking legal representation. From opposing objectives driven by profit motives to tactics like requesting recorded statements and intentional misinterpretation of policy terms, insurance adjusters often prioritize their employers’ interests over the claimant’s rightful compensation.
Furthermore, downplaying injuries and implementing delay strategies add to the complexities victims face in obtaining fair compensation. Therefore, individuals involved in accidents must recognize the potential pitfalls of dealing directly with insurance adjusters and instead enlist the expertise of experienced attorneys who can navigate the intricacies of insurance claims and advocate effectively for their client rights and entitlements. By doing so, individuals can mitigate the risk of being unfairly compensated and ensure they receive the financial relief they deserve.
