When someone else injures you, a representative of their insurance provider is almost guaranteed to be among the first to contact you. If you have any hope or plans to receive compensation to cover the costs of your injuries, you’ll be smart by not taking their call.
Their quick attempt to reach you is not to provide help.
Instead, they’re trying to get to you before you have time to be seen by a doctor, think about your accident or retain the services of a personal injury lawyer.
The True Goal of the Insurance Company
Regardless of their soothing commercial catchphrases of being “a good neighbor” or “the good hands people,” insurance providers are in business for one thing only: to make as much money as possible.
They do this through two main ways: (1) collecting insurance premiums, and (2) paying either nothing or as little as possible on claims.
Keep in mind that collectively, insurance companies in the U.S. routinely take in well over $1 trillion in premiums each year. With nearly $4 trillion in assets, the companies have a lot of resources at their call as they try to convince injured people not to pursue the full amount of what they’re owed in compensation.
A big weapon insurance adjustors have is their personality. They appear engaging, friendly and even concerned about your health and well-being.
They’re the main goal, though, is to get you to settle for as little money and as quickly as possible.
Some insurance companies provide in-house corporate training for how to avoid payouts for injuries and prizes to those insurance reps who deny the most claims.
Most Common Tricks of Deception Insurance Adjustors Use to Deny Your Claim
Trust us, there are many more “games of deception” used by insurance adjustors. These are merely the most common ones that are used to delay acting on your claim or simply denying it.
- Advising you not to hire a personal injury lawyer.
Insurance adjusters are professional negotiators. They do not want to pay you. Even if they do make a settlement offer, it will be an insulting lowball offer that probably will not come close to matching the out of pocket expenses you’ve already made – much less compensating for future treatment, and pain and suffering.
- Not telling you the truth about the coverage available in the at-fault person’s policy.
In many cases, an insurance adjuster will lie to you about insurance coverage that’s available by a particular policy.
- Asking you to sign an authorization so they can obtain all your medical records.
Remember, their goal is to deny your claim, and if they can do so by discrediting you, they will. Often, they will ask you to sign a release that will grant them full access to all of your medical records. Do not do this! They are simply fishing around for information that can be used against you.
- They’ll try to shift blame for the accident to you.
Even if there’s clear evidence the other person caused your injury, the insurance provider will often try to shift the burden of fault to you.
- They’ll claim a lack of evidence.
Many insurance providers will simply say there is not enough evidence to support the claim that you were injured by the other person’s actions. This is why keeping as much documentation as possible (police incident reports, photos from the accident scene, medical records, etc.) is so crucial in personal injury cases.
Injured by Someone Else? Don’t Take on the Insurance Adjustors on Your Own. Call Barber & Associates to Protect Your Interests.
There’s simply too much at risk to justify trying to take on the insurance adjusters on your own. They speak their own industry language, and they definitely do not represent your best interests.
Here at Barber & Associates, we relish the opportunity to take on the insurance companies.
Whether it’s through a settlement or a jury award, we’re committed to representing you and securing the appropriate amount of compensation you deserve.
We’ve recovered more than $45 million dollars for injured Alaskans, and we can get justice for you.