Insurance adjusters are notorious for manipulating people trying to file injury claims. It’s important to remember when you’re talking to an insurance company that they didn’t get to where they are by being nice. They have every reason to do what’s best for them – not you. This is what you should watch for:
A Quick Settlement Offer
One of the most common tactics used by insurance companies to derail personal injury victims is a quick settlement offer. If the insurance adjuster can get to you before you understand the full extent of your injuries, the adjuster has the chance to make a low offer to settle your personal injury claim quickly. Some accident victims accept any amount if they are out of work and worried about paying bills. Don’ succumb to this temptation.
Furthermore, the insurance adjuster knows that once you consult with a Bloomington personal injury attorney, the attorney will advise you to wait until you have reached maximum medical recovery before settling the claim. If you settle the claim too quickly, are aren’t able to demand more money even if you realize your injuries are worse than previously thought.
For example, if you settle a case and you sign a release, you are unable to pursue any other action even if you discover two months later you need additional surgeries and physical therapy. If you have settled the accident claim, you cannot file an additional claim. You must bear the cost of the additional surgery and physical therapy yourself.
Statements and Releases
Another reason an insurance adjuster acts quickly is to obtain a recorded or written statement and a medical release. The insurance adjuster may tell you that he needs a written or recorded statement to verify the facts in order to process your claim. Beware — this is a tactic used to obtain information to use against you later to hurt your claim. The insurance adjuster may ask leading questions to get you to say something that can be misconstrued and misinterpreted. For example, “How are you feeling?” We are conditioned to say, “Fine,” when someone asks how we are feeling. It is just the “polite” thing to do. However, this statement can hurt your claim. How are you “fine” if you truly are suffering from injuries sustained in the accident.
In addition, the adjuster may request that you sign a release for your medical records. The insurance company needs to verify your injuries to pay your claim. This sounds reasonable; however, you may be allowing the insurance company to obtain copies of your complete medical history. The company is searching for previous accidents, injuries, or medical conditions it can climb caused your current injuries. Remember, the insurance company is looking for any reason to deny your claim or pay a lower amount to settle your claim.
Your Bloomington personal injury attorney will provide copies of medical records, when necessary. However, our attorney will make sure that you are only providing the records related to your accident claim.
Deny and Delay
You only have a limited time to file a personal injury lawsuit under Indiana’s statute of limitations. If you fail to file your lawsuit before the deadline, you lose the legal right to pursue the party responsible for your accident. If the insurance company for the at-fault party can keep stringing you along until that deadline files with false promises and numerous requests for “one more piece of information,” it can avoid paying your accident claim. Therefore, it is always in your best interest to consult with a Bloomington personal injury attorney as soon as possible after any personal injury accident.
We Can Help You Get the Money You Deserve
The best way to avoid improper tactics by insurance companies is to hire an experienced Bloomington personal injury attorney to represent your interest. You deserve to have someone on your side who puts your interests first. You also deserve to have someone on your side who will aggressively fight the insurance company to obtain a full and fair settlement for your accident claim. Our Bloomington personal injury attorney understands the tactics used by insurance companies and understands the best strategies to fight these tactics.
Call The Ken Nunn Law Office at 1-800-CALL-KEN or 1-800-225-5536 to speak with a Bloomington personal injury attorney. If you prefer, you can speak with someone 24/7 on our website through our Live Chat feature. Schedule a free, no obligation legal consultation with a Bloomington personal injury attorney.