Insurance is meant as a safety net to help when the unexpected happens, but there’s another side to the industry that you won’t find in the catchy TV jingles. Like all businesses, your insurer’s goal is to make money. The company can’t do that if it pays out more in claims than is brought in through premiums. Unfortunately, that means insurance adjusters will often try to find ways to delay or completely deny perfectly valid claims.
Common Insurance Tactics to Avoid Paying Claims
Whether you were in a car accident, slipped and fell, or suffered a traumatic brain injury due to unsafe conditions, these are some of the most common issues to look out from an insurance adjuster:
- Claiming medical procedures or doctor visits were unnecessary
- Discouraging hiring a personal injury attorney
- Delaying action to get you to drop the claim or accept a low-ball settlement quickly
- Monitoring your social media to use photos or automatic check-ins out of context
- Recording your verbal statements and trying to get you to accidentally admit fault
- Using older medical records to blame your injury on a past incident
How to Deal With Insurance Tricks
By using photos culled from social media or twisting your words to partially admit fault, an insurer can deny your claim or pay you less than you are owed. Thankfully, there are ways to counter these tricks and make it more likely to get the settlement you actually deserve. Here’s what you need to do:
- See a doctor immediately after the accident to establish your injuries
- Retain the services of a skilled personal injury attorney
- Don’t agree to a recorded statement with your insurance adjuster
- Have your attorney negotiate medical record releases
- Set your social media profiles to private or friends-only
- Don’t post new photos, and don’t discuss the case in any way on social media
When dealing with insurance after an injury, it's better to refer most communications to your attorney, and only provide the basic information of when and where the accident occurred. Your legal representation can handle the case from there and work to get you the compensation you need.
You Need a Professional to Handle Your Case Properly
It’s a simple fact that insurance companies are more inclined to offer what you are really owed and give you less run around when an attorney is involved. Set up a consultation with The Mottley Law Firm today so we can help you deal with insurance tricks after an injury.