Insurance Company Tactics in Accident Claims
Insurance Company Tactics in Accident Claims
Insurance Company Tactics in Accident Claims

Insurance Company Tactics in Accident Claims

When you’re caught in the aftermath of an accident, dealing with insurance companies can add another layer of stress to an already difficult situation. It's important to understand that these companies often use specific tactics to minimize their financial responsibility. At the Law Offices of Andrew Zeytuntsyan, we help our clients receive fair and just compensation for their injuries, and we want to help you do the same. Read below for information that can help empower you to protect your rights and interests. With the help of a skilled personal injury attorney, you can overcome these challenges effectively and secure the compensation you rightfully deserve.

The Rush for a Quick Settlement

After an accident, you might find yourself quickly approached by an insurance company with a settlement offer. This tactic, known as “Fast-Track Settlement,” relies on the victim's immediate need for financial relief. The offer might seem attractive at first glance, especially when you're facing mounting medical bills and income loss. However, these initial offers are often significantly lower than what you may be entitled to. Resist the temptation to settle quickly. Take the time to fully understand the extent of your injuries and other losses. A personal injury attorney can help assess the true value of your claim and negotiate with the insurance company on your behalf.

Requesting Access to Your Medical Records

Insurance companies often ask accident victims to sign a release for their medical records. This request, while seemingly innocuous, can be a tactic to gain access to your entire medical history. By doing so, they aim to find pre-existing conditions or other factors that could be used to argue that your current injuries aren't entirely due to the accident. Limit the authorization to only include records relevant to your accident. Your attorney can ensure that the insurance company doesn't get more information than necessary, protecting your privacy and claim.

The Trap of the Written or Recorded Statement

Often, insurance companies will request a written or recorded statement about the accident. They frame this as a standard procedure to gather facts. However, this is a strategy designed to find inconsistencies in your account or statements that could be twisted to reduce your claim's value. Be cautious and consult with your personal injury lawyer before giving any statement.

Delay Tactics

Another less obvious tactic is the use of delay strategies. By prolonging the process, insurance companies aim to wear you down, hoping that you'll accept a lower settlement out of frustration and financial pressure. This approach exploits the financial strain that accident victims often experience. Stay patient and lean on your attorney for support. They can handle the negotiations and keep the process moving, relieving some of the stress and pressure you might feel.

Misrepresenting Policy Terms and Benefits

Insurance adjusters might also attempt to misrepresent the terms of your policy or the benefits you’re entitled to. This can involve complex jargon and convoluted explanations designed to confuse you into accepting less than you deserve. Have your attorney review your policy and explain your coverage and rights in clear terms. They can counter any misleading information provided by the insurance company.

Are You Looking for a Personal Injury Lawyer?

Dealing with insurance companies after an accident can be a complex and challenging process. Being aware of their tactics empowers you to protect your interests effectively. However, the most important step is seeking the assistance of an experienced attorney. The Law Offices of Andrew Zeytuntsyan is dedicated to ensuring that your rights are upheld and that you receive the full compensation you deserve. Contact our office for more information or to schedule a consultation.

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