subject: Learn How Auto Insurance Adjustors Deny Claims [print this page] Learn How Auto Insurance Adjustors Deny Claims
Generally you purchased car insurance for your automobile because it required in your state, and it is the right thing to do. If you are unfortunate enough to get into an accident with another driver, do you ever think about what their insurance situation may be? Chances are, at some point following the accident you will be dealing with the other driver's insurance provider.
Never let yourself believe that an insurance company has your best interests in mind. Insurance companies are in business to make money. You may have sustained injuries and need money to pay for your medical bills, lost wages due to time away from work, and more. An insurance adjustor's job is to keep the payout to you as low as possible, not out of cruelty, but out of company profit.
Insurance adjustors deploy tactics that allow them lessen your accident claim. Three tactics to be aware of include:
- Recorded statements: Insurance adjustors love to talk to you immediately after a car accident, as they know some of your injuries may not have presented themselves yet. Let's say, one day following the accident, only your neck hurts; however, you later realize after the adrenaline has left your body that your back and knee hurt as well. If they have a recorded statement from you stating that you only have neck injuries, it could hurt your case down the line.
- Medical authorization forms: Insurance companies may tell you that you need to sign a medical waiver so they can access your current medical records regarding the injuries you sustained from this accident. However, what they won't tell you is that if you sign that form, they can access all of your past medical records. This could hurt your case because if you experienced a back injury a couple years ago, they may be able to diminish the value of your claim by stating that you already had a preexisting condition.
- Delay: Insurance company adjustors know that if you are seriously injured, you most likely will have medical bills and household bills piling up that you cannot afford to pay. They will most likely stall the process and keep low-balling you, hoping that you will finally accept a low offer because you need to start paying some of your bills.
There are many tactics that insurance companies use, such as befriending you and spying on you, and they may even go as far as telling you not to hire an attorney. They understand that a knowledgeable Atlanta personal injury attorney will be able to get you a greater settlement, taking money out of their pockets.
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