Getting into a car accident is a traumatic experience, especially if you or your loved ones suffer injuries. Amidst the chaos, you might expect insurance companies to ease your burden.
However, don’t rely on the other party’s insurer – or your own – to have your back. Insurance companies often use several tactics to protect their bottom lines, sometimes at your expense. However, having experienced legal guidance can help you approach the claims process with confidence.
Common costly insurer tactics
While some claims proceed smoothly, many insurers resort to unfair practices to reduce payouts. Here are some common bad-faith tactics in various types of claims:
- Unreasonable delays: Insurers might drag out the claims process, hoping you’ll give up. For example, they may delay investigating your claim for months, testing your patience while your bills pile up or go past due.
- Incomplete investigations: Insurers may not thoroughly investigate your claim. They might make a few phone calls and issue a denial without a proper evaluation, as seen when a claims adjuster dismisses your car damage as pre-existing without inspecting it.
- Deceptive practices: Sometimes insurers won’t disclose all coverage options. For instance, they might not inform you about additional claims you could file for lost income after a theft impacts your business.
- Lowball offers: Insurers may offer less money than your claim is worth. For example, if a tree damages your roof, they might propose covering only half the repair cost despite your policy covering more.
- Misrepresenting policy language: They might misinterpret policy terms to your disadvantage. For example, suggesting you might commit fraud if you file an auto insurance claim if you’re partially at fault for the accident.
- Refusing to pay valid claims: Insurers may unjustly deny claims they should cover. If an uninsured driver hits your car and your policy includes uninsured motorist coverage (UM), your own insurer might still refuse to pay.
- Threatening statements: Insurers should never threaten policyholders. If they do, legal advice is crucial.
Failing to recognize these practices can lead to unfair settlements or denied claims.
How can you hold an insurer accountable?
Skilled personal injury attorneys understand these tactics and can help you avoid getting shortchanged. In car accident cases, typical compensation includes:
- Medical expenses: Covers hospital bills, medications and rehabilitation costs
- Lost wages: Compensates for the income you lose while recovering
- Property damage: Pays for repairs or replacement of your vehicle
- Pain and suffering: Accounts for physical and emotional distress
Insurers have the resources to wear you down by denying, delaying or devaluing claims. However, working with an experienced car accident attorney can hold negligent parties and their insurers accountable, ensuring you receive the justice and compensation you deserve.