When you suffer a personal injury due to someone else's negligence, you expect the responsible party's insurance company to compensate you for your losses. However, insurance companies often use various tactics to deny or minimize claims. In this blog post, we will discuss the top five tactics insurance companies use to deny personal injury claims and provide tips on how to counteract these strategies. By understanding these tactics, you can better protect your rights and increase your chances of receiving fair compensation for your injuries.
1. Denying Liability
One of the most common tactics used by insurance companies is denying that their insured is at fault for the accident. They may argue that you were partially or entirely responsible for the accident, or that a third party was the actual cause of your injuries. To counter this tactic, it is essential to gather as much evidence as possible to prove the other party's negligence. This may include:
- Police reports
- Witness statements
- Photos or videos of the accident scene
- Medical records documenting your injuries
2. Disputing the Severity of Your Injuries
Another common tactic used by insurance companies is disputing the severity of your injuries. They may claim that your injuries are not as severe as you claim, or that they were pre-existing and not caused by the accident. To combat this tactic, it is crucial to seek prompt medical attention after an accident and follow your doctor's treatment recommendations. Additionally, keep detailed records of all medical treatments and expenses related to your injuries.
3. Delaying the Claims Process
Insurance companies may also attempt to delay the claims process in hopes that you will become frustrated and accept a lower settlement offer. They may request additional documentation or ask for unnecessary information, causing the process to drag on for months or even years. To prevent delays, be proactive in providing all requested documentation and maintain regular communication with the insurance adjuster. If you feel that the insurance company is intentionally delaying your claim, consider seeking legal assistance from an experienced personal injury attorney.
4. Offering a Low Settlement
Many insurance companies will attempt to settle your claim for less than it is worth, hoping that you will accept the offer to avoid a lengthy legal battle. Before accepting any settlement offer, it is essential to understand the full extent of your injuries and the potential long-term costs associated with your recovery. Consult with a personal injury attorney to ensure that the settlement offer adequately covers your medical expenses, lost wages, and other damages.
5. Using Your Social Media Against You
Insurance companies may also use your social media accounts to discredit your claim. They may argue that photos or posts on your accounts show that your injuries are not as severe as you claim or that you are engaging in activities that contradict your injury claims. To protect your claim, limit your social media activity and adjust your privacy settings to restrict access to your accounts.
At Chandler Law, our experienced personal injury attorneys understand the tactics insurance companies use to deny claims and are dedicated to helping clients in Fresno, CA, receive the compensation they deserve. If you have been injured in an accident and are facing challenges with your insurance claim, contact us today for a free consultation. We will work tirelessly to ensure that your rights are protected and that you receive the compensation you deserve for your injuries.