Experiencing a car accident can be incredibly stressful. You’re dealing with potential medical bills from injuries suffered, time off from work, vehicle damage and the emotional aftermath.
In some cases, filing an insurance claim might be straightforward, leading to a reasonable resolution. However, it’s essential to be aware that some insurers use tactics to protect their bottom lines, which can complicate the process for you.
Investigative tools used by insurers
Insurance companies employ various tools to investigate car accident claims. Understanding these can help you deal with the aftermath more effectively. Here’s what they might do:
- Gather statements: Adjusters may take recorded statements from involved parties and witnesses
- Review records: They might request cellphone records to determine if phone use contributed to the accident
- Visit the scene: Adjusters often visit the accident scene to gather evidence
- Conduct background checks: They might investigate you for any financial issues or past claims
- Social media review: Insurers may look at your online presence and postings to verify your claims
- Medical records: They often request access to your medical records to confirm injury claims
These steps help insurers assess claims accurately. However, they can sometimes feel intrusive.
Insurer tactics to deny or reduce payments
Insurance companies may use several tactics to protect their financial interests. Here are some common ones:
- Unreasonable delays: They might delay processing claims to test your persistence
- Quick settlements: Soon after a crash, they may offer you a low-ball lump-sum payment before the actual costs have been determined
- Incomplete investigations: Insurers may fail to thoroughly investigate claims, leading to unfair denials
- Deceptive practices: Some insurers might mislead you about your policy coverage
- Threatening statements: They might use intimidation to discourage claims
- Refusal to pay: Insurers may unjustly deny claims that should be covered
These tactics can be frustrating and may require additional steps to resolve.
How can an attorney help?
While many car accident claims resolve smoothly, others can become complicated. Legal representation can be crucial in these situations.
An experienced car accident attorney can help you understand your rights, negotiate with insurers and ensure responsible parties are held accountable. If you’re likely to face challenges with your claim, consulting with a legal professional as soon as possible might be a wise step to protect your interests.