Tactics Insurance Companies Use in Accident Claims

After experiencing an accident, victims often turn to their insurance companies for compensation and support. Unfortunately, dealing with insurance companies can be a complex and challenging process. Although they exist to provide coverage and financial assistance, insurance companies are also profit-driven entities. As such, they may employ various tactics to minimize their payout or deny valid claims. The John Mobley Law Firm experts know how to combat these tactics to get you the compensation you deserve. 

Delaying Tactics

One of the most common tactics used by insurance companies is to deliberately delay the claim process. They may ask for excessive documentation, repetitive paperwork, or further investigation, all to stall the settlement. They aim to wear down claimants, hoping they will accept lower settlements out of frustration or desperation. It is crucial to stay persistent, maintain clear communication, and seek legal assistance to expedite the process.

Lowball Settlement Offers

Insurance companies are notorious for making initial settlement offers far below what the claim is worth. They hope the claimant will accept the offer without questioning it. Remember that the initial offer is usually negotiable. Consult with a personal injury attorney who can assess the true value of your claim and negotiate with the insurance company to secure a fair settlement.

Shifting Blame

Insurance companies may attempt to shift the blame onto the victim to reduce their liability. They might argue that the victim was partially responsible for the accident, thus reducing the amount they are obligated to pay. If you find yourself in such a situation, having strong evidence, witness statements, and an experienced attorney can help refute these attempts.

Surveillance and Social Media Monitoring

Insurance companies may employ investigators to conduct surveillance on claimants, hoping to find evidence that discredits the severity of their injuries or contradicts their claims. Additionally, they might monitor the claimant’s social media activity to find posts or pictures that could be misconstrued as evidence against their claim. Being cautious about what you share online and seeking legal advice can help protect your claim’s integrity.

Using Recorded Statements Against You

Insurance adjusters often request recorded statements from claimants shortly after the accident. These statements can be twisted and used against the claimant to minimize the insurer’s responsibility. It’s essential to consult with an attorney before giving recorded statements to ensure your rights are protected and your words are not misconstrued.

Dealing with insurance companies in accident claims can be daunting, especially when they employ tactics to minimize their financial obligations. If you’re facing such a situation, remember that you have rights and options. Seek guidance from the experienced personal injury attorneys at the John Mobley Law Firm. We can level the playing field and help you navigate the complexities of insurance claims.