If you’ve been involved in an accident, you will likely have to deal with insurance companies. Ideally, they would work with you to ensure your needs are met completely. The unfortunate reality is that insurance companies will do about everything in their power to avoid paying out your personal injury claim. Here are some things insurance companies don’t want you to know.
Recorded Statements Are Not For Your Benefit
After an accident, you will probably be bombarded with requests for a statement. It isn’t wise to make a statement, however, since you may still be feeling shocked, traumatized, and disoriented by the ordeal. Instead, refer any requests to your personal injury attorney. Legally, you are entitled to legal counsel before making a statement, which can save you from costly mistakes. Avoid giving a statement until all the facts are uncovered.
Initial Settlement Offers Are Usually Lowballed
No one wants to pay more than they have to for something, and insurance companies are the same way. They frequently will offer a settlement amount that is far, far lower than the amount you deserve. Accepting the first offer mean you may not receive the compensation you need. Your lawyer can help you understand the value of your claim, and advise you when an offer is fair.
Insurance Companies Don’t Want You to Receive Medical Treatment
While it may seem cruel, insurance companies don’t want you to seek out medical treatment or document your injuries sustained during the accident. Because your payout amount is highly dependent on the extent of your injuries and the costs of your medical treatment, medications, rehabilitation, and more, it is in their favor when you don’t receive proper treatment. It is critical to immediately see a doctor after an accident and begin a record of your injuries and treatment, since this can increase the value of your claim and ensure that you heal as well as possible following your accident. Don’t be afraid to seek the medical care you need, even if the insurance company is pressuring you to end your treatment early, seek less expensive treatment, or minimize your medical care. If you feel the insurance company is trying to force you out of treatment, let your attorney know.
Insurance Companies Must Legally Act in Good Faith
What this means is that insurance companies are bound by law to work towards your best interests, and not place the company’s interests first. While this is the law, it is possible your insurance provider may need to be reminded of this fact by an experienced personal injury lawyer.
Insurance Policies Are Confusing On Purpose
Legal documents, such as insurance policies, are rarely straightforward. Even if you have experience with legal documents, there is a good chance you’ve been confused by your insurance policies. The abstract language is for a reason—ambiguity is easier for insurance companies to argue in their favor. A qualified personal injury attorney will be prepared to fight the insurance company’s claims on your behalf.
Insurance Companies Don’t Want You to Have a Lawyer
An insurance company is invested in protecting themselves, and your attorney can make that much more difficult. If you are recovering from your injuries while dealing with being runaround by an insurance company, there is a good chance you’ll lose hope and give up. Your lawyer, on the other hand, is driven to push for your needs and interests, and they have the experience to stop any shenanigans they insurance company may try to pull. Your personal injury attorney is your advocate against insurance companies.
At Wruble Law Group, we are here to protect you when the unexpected happens. We understand the challenges of filing injury claims, and we can help the process go much more smoothly. Our South Bend personal injury lawyers are backed by more than 40 years of combined experience, and we offer compassionate, personalized client service. Learn how our results-driven legal counsel can help your case.
Contact our offices today to schedule a consultation. Call (574) 281-0142.