Have you ever been involved in a car accident? If you have had this unfortunate experience, you know very well what it is like to deal with insurance companies. It is a process that can be pretty cumbersome and long. However, having car insurance is mandatory, and it also gives us a safety net for any eventuality that may happen, trusting that our insurance company will help us solve it.
Although this happens in some cases, it should not be forgotten that insurers are still a business at the end of the day. And in business, they generally seek to obtain the most significant amount of income, always trying to avoid paying as much as possible.
Insurers use some strategies to avoid having to pay a claim after an accident. Here are some of them:
- Outright reject your claim. Insurance companies can deny a claim due to different causes. Some of them are that your insurance does not cover all damages and injuries resulting from the accident. An attorney can help you review your policy and ensure that they do not evade their obligations.
- Offer deals with a much lower amount than you deserve. What an insurance company seeks the most is paying as little as possible. In many cases, the amounts they offer initially to settle are far less than what the victims deserve. Do not accept an offer without first consulting with an attorney.
- Request a recorded statement that can be used against you. The adjusters will likely call you and ask you to recount the details of the accident while they record you. This is definitely not a good idea. Once they have your recording, you run the risk that they could use it to misrepresent some of your comments and claim you are liable for the accident.
- Delay the process. By making the process longer than it needs to be, insurance companies may be waiting for the statute of limitations to be met or shortened, so you have to make decisions quickly. Or they may be waiting for you to give up when you see that the situation is not being solved.