Being involved in an accident is stressful, even before you’re compelled to deal with its aftermath. During this period, you may expect your insurance company to have your back. After all, you’ve been diligently paying premiums for just this kind of situation.
The truth is that insurance companies are money-making organizations. Their primary goal is to make a profit, which sometimes means they might not be as supportive as you’d hope.
The reality of insurance companies
After filing a claim with your insurance company following a car accident, the insurance adjuster will swoop in and check the damage. They might seem friendly and helpful, but it’s important to remember that their job is to minimize the payout. They’re trained to look for ways to reduce the amount the company has to pay, and this can sometimes mean offering you less than you deserve.
One common tactic insurance companies employ is quickly offering an enticing bargain. However, these offers are usually lower than what you could get if you pushed back or consulted with a legal team. It’s their way of closing the case quickly and for less money. You might feel pressured to accept this offer, especially when dealing with medical bills or car repairs.
Moreover, insurance companies might use recorded statements or documents you provide to find inconsistencies and reduce your claim. They might seem to be on your side, asking you questions about the accident, but any slip-up could be used against you. It’s crucial to be cautious of the tricks used and consider seeking legal guidance.
Also, some insurance companies might try to shift the blame. They could argue you were partially or entirely at fault for the accident, which would lessen or disqualify their payout obligation. Collecting as much documentation from the accident scene as possible can help counter these tactics and strengthen your case.
In the end, while insurance companies are there to provide coverage, their interests don’t always perfectly align with yours. When it comes to filing a claim, don’t be afraid to seek legal help if you feel uncertain about the offers you receive. Your well-being and recovery are a priority, even if it means pushing back against an insurance company.
