Insurance companies love to advertise that they're on your side. In reality, they’re nothing like the fun, easy-going characters their brands portray on screen. When you sustain injuries in an auto accident, you have the right to receive fair compensation. However, when it comes to paying out claims, insurance companies employ various tactics to undervalue or delay your claim.

1. The Insultingly Low First Offer

Insurers often make insultingly low offers. The trick here is to get you to accept money before you fully realize the extent of your repair costs and medical bills. A quick offer can leave you without enough funds and without recourse to claim additional compensation. Consult with an attorney before you sign away your rights.

2. Delay, Delay, Delay

If you don’t accept the first offer, the insurance company will likely slow down the process. They know that medical bills, lost wages, and financial stress can pile up quickly, forcing many people to accept less than they deserve just to get some relief. Stay patient, keep meticulous records, and hire an attorney to maintain the pressure on the insurance companies.

3. The Fake Friend

Some adjusters will act like a friend and offer advice that appears to be helpful on the surface. Your new friend will often suggest that you don't need an attorney, but this advice can be misleading. In reality, having a good attorney can help you secure more compensation than if you remain unrepresented. So, who really benefits when an insurance adjuster advises you not to hire a lawyer? (Hint: It’s not you.)

4. Turning the Tables

Be careful. It is not uncommon for insurance companies to shift blame onto you. They may claim that you were partially or fully at fault, even when the evidence suggests otherwise. Never admit fault. Be aware that when they request a recorded statement; you are not obligated to provide an immediate response. Take your time, consult an attorney, and make sure you’re not falling into their trap. Remember, what you say can and will be used against you.

5. Misinterpreting Policy Language

Insurance companies often write confusing and convoluted policies to help them better deny and undervalue claims. When you file a claim, they might conveniently “discover” an exclusion or technicality that they failed to mention before. Always request a written explanation for any denial, and have an experienced attorney review your policy to challenge unfair interpretations.

Insurance companies are in the business of making money, which they can do by not paying claims. Understanding their tactics and hiring an experienced accident injury attorney is your best opportunity to secure the true value of your claim. 

Don’t let the insurance company lowball, delay, or twist the facts. If you’ve been in an accident, call E Eric Guirard Injury Lawyers for a free consultation today. Our team is available 24/7/365 at (844) 833-3003.