Some business people are unscrupulous. They will do whatever it takes in order to reach the outcome they desire, especially if it means that they save money. Unfortunately, insurance companies can act in that manner after you have suffered serious injuries or other harm in a car accident. While you may want to trust your agent or the adjuster, you may also want to take everything they say with a grain of salt.
You may not consider yourself an untrusting person, but after your car accident, you may feel particularly vulnerable. Many insurance company employees know that this feeling of vulnerability exists, and they may try to take advantage of you in order to keep from providing you with a proper payout.
Proof of injuries and damages
Whenever you file an insurance claim, you will need to provide proof of the damages suffered in order for the insurance company to verify your claims. However, if an insurance company wants to avoid a payout, an adjuster may ask for proof that you simply cannot provide. In some cases, they may want you to account for every penny lost as a result of the incident, and that request is simply unreasonable.
Playing to your emotions
As mentioned, you may feel vulnerable after a car accident and want to trust anyone who lends an ear. When dealing with the insurance company, it may not prove wise for you to give them more information than absolutely necessary. Some agents may attempt to appear sympathetic and ask seemingly harmless questions about your injuries or how you feel, but even a general, reflexive answer of “I’m fine” could end up used against you later.
Claiming to save you time
Another tactic that insurance company employees may try to utilize involves trying to settle your claim quickly. They may state that you can finish the process and receive your payout much more quickly if you agree to a certain amount, which often totals to an amount much lower than you deserve. While it may seem appealing to end the process as soon as possible — and adjusters will certainly attempt to make it seem like the best option — you need to work toward the best possible outcomes for your situation.
Having an advocate on your side
It may seem intimidating to have to speak with individuals who may try to thwart you, but fortunately, you do not have to speak with insurance companies at all if you do not wish. Instead, you can speak with an attorney who can act as your legal advocate and ensure that the insurance companies abide by the law as you work to obtain your compensation.