Common Tactics Car Insurance Providers Use to Deny Your Claim

Despite their upbeat ad campaigns, friendly slogans, and affable adjusters, auto insurance companies are often not on your side. In fact, insurance companies are often more concerned with guarding their own profits than helping the injured by paying claims. While many policyholders rely on insurance providers for much-needed financial assistance in the event of a collision, insurance companies are often less-than-eager to uphold their end of the bargain and may attempt to employ various tactics to delay, deny, or diminish a person’s claims. Making yourself aware of these tactics can be crucial to help you can protect your rights as a policyholder and maximize your chances of securing the compensation you deserve.

If you have filed an insurance claim, beware of the following strategies:

  1. Telling you that you don’t need a lawyer: An adjuster will likely tell you that you are better off without a lawyer and suggest that a lawyer will only take a large portion of your settlement. While this may make sense on the surface, research has shown that claimants with experienced legal representation consistently walk away with more money than those who choose to settle directly. Likewise, if they should deny your claim, you will have a much harder time contesting your denial on your own.
  2. Asking for a recorded or written statement: Insurance adjusters are trained in ways to get you to say something that they can use against you, even if it means taking your statements out of context. For example, if an insurance adjuster records a call with you and asks you how you are feeling, to which you reply “I’m doing well, thanks,” they may be able to use this statement to claim that you are “well” and do not have any serious injuries. Never, under any circumstances, submit a written statement or agree to a recorded call without the instructions of your attorney.
  3. Requesting an authorization for medical information: After a collision, your insurance adjuster may ask you to sign an authorization form to access your medical records. What they don’t tell you is that this authorization gives them the ability to sift through your entire personal history in search of some sort of evidence of a past affliction that could be used to falsely suggest that your injuries were due to a preexisting condition.
  4. Misrepresenting your coverage: If your insurance adjuster claims that your injuries are not covered, do not take their word for it until you have read through the terms of your policy. In many cases, coverage is hidden in dense legal terminology which can be uncovered with the assistance of an experienced attorney.
  5. Delaying payment: If you have been injured, it is likely that you are facing financial struggles due to costly medical expenses and time away from work. Insurance companies know this, and they will do everything they can to delay payment of your claim until you are desperate enough to settle for a minimal amount. An attorney can help ensure you are paid on-time and in full.

Injured in a Car Accident? Call (888) 966-8480

If you have been injured in a car accident in Nassau County, the powerful personal injury attorneys at Foley Griffin, LLP can handle negotiations with the involved insurance companies on your behalf and work to maximize your potential settlement. With more than 75 years of dedicated experience, we have what it takes to secure the results you need. Contact our office online to schedule a free consultation today.