Four Things the Insurance Company Does Not Want You to Know
After a car crash, slip and fall, or other type of accident caused by another person’s negligence, you will have to deal with the insurance company. Many people believe that insurance is supposed to be there when they need it the most and so, they will be treated fairly by the adjuster. Unfortunately, this is never true.
The job of the insurance adjuster is to protect the company’s profits, not maximize your recovery. To do this, they will use many tactics to reduce your settlement. Below are four things the insurance company does not want you to know.
They are Not on Your Side
Adjusters will tell you that they are there to help and that they want to do the right thing. Sadly, they are not. While they are not typically malicious, their loyalty is to their employer and so, they have an obligation to try and shield the company’s profits. This should shape how you handle every conversation with them.
They May Try to Rush You or Delay the Process
Some adjusters will create a sense of urgency to try and get you to sign an unfair settlement quickly. Once you accept the offer, you cannot go back to them for more in the future, even if your losses are greater than the settlement covered. In other cases, adjusters sometimes try to drag the process out in the hopes that you will become frustrated and give up. Or, they hope your financial situation will become so strained that you soften your position.
They Will Make a Lowball Offer
Adjusters often make offers right away, but this does not mean they are fair. Instead, the initial offer is typically the lowest amount the insurer believes they can get away with paying. When the offer is made, you may not even understand the full extent of your injuries and other losses, or what long-term effects you will suffer. It is not always easy to determine if a settlement offer is fair, making it critical that you work with a Tampa personal injury lawyer.
They May Try to Obtain More Information Than Necessary
Some requests for information are expected. However, adjusters often ask for more information than what is necessary to process your claim, such as broad details about your medical history. They do this so they can blame your injuries on a pre-existing condition instead of the accident. This is another reason to be very careful when speaking to the insurance company or signing any documents.
They Will Say You Do Not Need a Personal Injury Lawyer in Tampa
Insurance companies know that once accident victims obtain legal counsel, the playing field becomes much more level. At Moore Law, our Tampa personal injury lawyer can communicate with the insurer on your behalf and negotiate for the fair settlement you deserve. Call us today at 813-510-5400 or contact us online to schedule a consultation and to learn more about how we can help with your case.
