If you’ve been in a car accident and have suffered injuries, you may have been left with spendy medical bills to handle. It’s possible that you have been out of work due to your injuries as well, which can add to the stress and anxiety of this new financial burden. 

This is what insurance is for, right? In a best case scenario, this is true. However, most of the time, insurance companies don’t want to pay out the money that you deserve. They are in the business to make money, not give it away

Your insurance company could minimize your claim in order to pinch pennies. This means less compensation for you and ultimately, less help paying down your medical bills and expenses. 

4 Ways Insurance Companies Minimize Your Car Accident Injury Claims

To better understand this, we’ve detailed below how insurance companies minimize your car accident injury claims. 

1. They try to deny or limit liability.

An insurance adjuster will ask for as much documentation and proof of the accident as they can get, such as the police report, witness statements, statements from you, and photos. They will use this information along with any correspondence you have with them to pay out as little as possible, which could result in denying your claim or limiting liability. 

Upon receiving the news that your claim has been denied, you may believe that is the end of your journey to fair compensation. You do not have to take no for an answer. Request a new adjuster or speak with an experienced attorney as soon as possible.

2. They try to manipulate your statements regarding the accident. 

Insurance adjusters will try to speak with you to get recorded statements soon after your accident. This can be an issue if you’ve been seriously injured as you may be on heavy pain medication. If there’s a chance that you could have conflicting details within your statement, the adjusters could use this against you. 

It’s helpful to have an experienced attorney on your side as you navigate working with insurance adjusters. 

3. They persuade you to sign a medical authorization.

By signing a general medical authorization, you are giving the insurance company access to your complete medical history. This could potentially give them information about past injuries you may have had, which could be used against your claim. 

It can be extremely helpful to seek help from an attorney if medical records are needed for your claim. They can help you work with the insurance company and your doctors to only share relevant medical history. 

4. They offer you a fast settlement. 

Insurance companies may try to win you over by promising a speedy claims process. Know that if they are trying to persuade you to settle quickly, you’re likely giving up the opportunity for fair compensation. 

In addition, they may try to talk you out of using an attorney. They know that by having an attorney on your team, they’re tactics of minimizing your car accident injury claim probably won’t work. 

If you need help dealing with insurance companies after an accident, consider working with one of our knowledgeable attorneys at Pipas Law. 

Call 727-888-3925 today to speak with an attorney. 

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