5 Typical Tactics Of Insurance Companies

Suppose that you got into a car accident that was not your fault, and you sustained some unfortunate injuries. You are likely feeling highly stressed and overwhelmed. Filing an insurance claim is one of the most critical steps toward obtaining compensation for medical expenses, repair shop costs, missed work, and other damages.

You have probably heard horror stories about insurance adjusters. Some insurance companies are notorious for being difficult with their policyholders. Since New York is a no-fault state, regardless of who caused the collision, you must file a claim with your insurance company to recover compensation. Consequently, you should file an insurance claim as quickly as possible. Below are five tactics insurance companies may try to use against you:

1. Acting Concerned: Adjusters may call you, pretend they are checking up on you, and offer sympathy. Please do not be deceived into thinking that they care. The truth is that the average insurance company cares more about saving money than helping you. Insurance agents often act like your friends so that you will let your guard down. Once they earn your trust, the adjuster may start questioning you to trick you into saying something they can use against you. 
2. Delaying The Process: You may notice that your adjuster regularly needs to remember to return your calls. When you finally get to discuss your claim, they may try to confuse you with lots of legal jargon. The agent may be dragging his feet, hoping you will get impatient and settle for less than your case is worth. 
3. Offering A Quick Payout: While the insurance company’s eagerness to settle may seem reasonable, they may be trying to lowball you. You will be prevented from seeking further compensation for the same accident upon signing a release. Typically, a high initial offer means that the adjuster knows something you do not and tries to get you to settle before you talk to an attorney. 
4. Discouraging You From Obtaining Legal Advice: Insurance agents realize that victims trying to settle their claims often lack legal expertise, and they attempt to exploit this. Be aware of statements like, “Why hire a lawyer who will charge you lots of fees?” These types of comments are usually made in bad faith. Adjusters prefer negotiating with you because they think you will accept less money. A highly experienced attorney can help you get the maximum compensation.

It may seem like a grueling process if you have never dealt with an insurance adjuster or filed an insurance claim. However, with the Dietrich Law Firm P.C.’s veteran attorneys on your side, filing an insurance claim is much less stressful. We would be honored to guide you through every step of your car accident claim. Our highly experienced lawyers have a long-established track record for getting the best results for our clients. Please contact us now by dialing 716-839-3939 or completing our online consultation form so we can help you!