4 Tricks Insurance Companies Use After An Accident To Look Out For

Posted on: 16 March 2016

If you have been injured in any kind of accident, you are going to have to work alongside the opposite party's insurance company to receive compensation. This can be difficult because insurance companies use many tactics to avoid having to pay more than what they want to once your case is settled. This is why you should have a personal injury attorney by your side who can look out for these commonly used tricks and help you avoid them. It helps to also know for yourself about these four tricks that insurance companies often use:

  1. Sending Out a Friendly Adjuster: When an adjuster comes out to evaluate any of the damages in your accident, including your injures, they are going to appear friendly. This is a tactic used to get you to feel comfortable enough to talk to them. When you talk to them, you may reveal some information that they can use against you in the future that is going to help them avoid having to pay you more than what they want. It's best to remain vague and have your personal injury attorney with you when the adjustor visits.
  2. Having You Provide Medical Records: Another trick many people fall for is giving the insurance company their medical records. Of course, this seems like something you would have to do in this situation in order to receive compensation. However, this is not the case since the insurance company only needs medical bills for your injuries, not your entire medical history to determine compensation. When they ask for your medical records, what they are doing is trying to find a preexisting condition you had that can help them avoid having to pay you more for your injuries. It's best to never send any paperwork out to the insurance company without first consulting your attorney. 
  3. Giving in to Time Delays: Insurance companies will do their best to ignore you in the hopes that you will simply give up on trying to process your claim. This is why having a personal injury attorney is key. Your personal injury attorney is going to insist that your claim is processed quickly. They will call the insurance company for you so that you don't have to feel under pressure to give up. 
  4. Believing the Adjustor When They Say Certain Medical Treatments are Unnecessary: Your doctor may have you visit certain specialists for treatment of your injuries while the insurance adjustor claims that this is unnecessary and you will not get compensated for it. However, if you have a note from your doctor, the insurance company will not be able to deny you coverage for this if you fight against it. 

When you understand these four tricks that insurance companies use, you can see why having a personal injury attorney is so important and you can better understand what you can do to avoid falling for these schemes.