Beware of these 6 Tricks Insurance Adjusters Use
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When you’re injured due to someone else’s negligence, it is only natural to seek compensation. However, navigating a personal injury claim can be challenging, especially the part where you have to deal with insurance adjusters.
According to a recent study by the National Association of Insurance Commissioners, insurance companies aim to settle claims for as little as possible. Insurance adjusters are only interested in maximizing profits for their company and thus employ various tricks to minimize compensation.
If you’re facing such a situation, consulting the best personal injury law firm can greatly benefit your case.
Read on as we explore six common tricks insurance adjusters use when evaluating personal injury cases and insights on how to navigate them.
Delay Negotiations and Settlements
Delay is a common tactic employed by insurance adjusters to discourage claimants’ resolve and minimize payouts. They intentionally prolong the process, requesting unnecessary paperwork and scheduling repeated meetings. This is done in the hope that you’ll accept a lower offer out of frustration or financial need.
Moreover, delaying negotiations can also lead to the erosion of crucial evidence over time. Adjusters know that memories fade and documentation becomes less reliable as days pass.
Push for Quick Settlements
Another trick insurance adjusters use is pushing for a quick settlement. While a speedy resolution may seem appealing, it’s essential to consider the long-term implications. Insurance adjusters skillfully make you rush into a settlement without fully understanding the extent of your injuries or future medical needs, as this can leave you undercompensated. They do this in the hope that the claimant will accept it because of pressure from medical bills and other costs related to the accident. Insurers know that, down the line in the negotiation process, your claim could be worth much more.
Dissuade the Claimant from Hiring an Attorney
Insurance adjusters will always try to talk you out of getting legal representation. They usually make statements like, “Attorneys will just take your money,” or “You don’t need an attorney, we can handle this ourselves.”
In reality, they know having an attorney on your side can make a big difference in the outcome of your case and help you get more compensation. As legal experts, attorneys know the ins and outs of personal injury cases and can make sure you’re treated fairly.
Request Recorded Statements
Insurance adjusters often request recorded statements shortly after the accident. While they may seem harmless, these statements can be used against you later in the claims process.
They aim to catch you off guard while you give your statement. Adjusters may twist your words or extract information from your statement and use it to undermine and hurt your case. This is why it’s important to be cautious and approach a legal professional before making any statements.
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Act Super Friendly
During negotiations, insurance adjusters might seem really nice and understanding, pretending to be on your side. But don’t be fooled – their primary goal has always been and will always be, to minimize payouts and save money for their company.
Being friendly is a trick they often use in the hope that you’ll let your guard down and trust them. When this happens, they get you to settle for less than you deserve. Remain cautious at all times and do not be overtaken by the friendliness of the insurance adjusters; they are only out for their own interests.
Dispute Liability
Insurance adjusters may dispute liability to avoid paying compensation altogether. They may argue that their insured party wasn’t at fault or that you contributed to the accident through negligence.
Sometimes, when it’s clear their insured party is at fault, they want to make it harder for you to get the compensation you deserve for your injuries and damages. Combating this trick is simple: gather as much evidence as you can, such as police reports, witness testimonies, and photographs from the scene. Also, don’t forget to get your lawyer involved.
