If you have suffered injuries in a car accident, the most important thing that you can actually do for yourself is file a claim with the insurance company as well as speaking with an attorney. Quite a good number of us have already been through this process before but still do not understand that your personal injury will be scrutinized heavily by an insurance adjuster. Can insurance adjusters lie to you? This is one question most people want answers to and that is what this article is here to talk about today so continue reading.
The beginning of the process is simply filing a claim and you are guaranteed going to have a very hard time if there is no attorney to help you with it. Without an attorney, it is basically a one sided battle between the insurance company and you and they might even go as far as offering you a settlement when you have no idea how much your total medical cost will be but you should know that they do these things not for you but for their own benefit. They can go as far as saying they have accepted liability so you do not need an attorney.
The fact is every victim of a car accident is always at the mercy of an insurance adjuster and once an insurance adjuster goes ahead to deny your claim, the only option that you have left is filing for a lawsuit. Insurance adjusters are aware of the fact that most people do not want to hire an attorney and that is why they are always eager to take advantage of you and the situation at every little opportunity that they get. Investigating insurance claims is what claims adjusters spend the better part of their day doing.
They go about this by collecting hospital and police records, witness statements, looking for similar claims in the past and also inspecting property damage. This is okay for them to do but the problem here is they are only looking at it from a one sided view because their main goal is to ensure that the insurance company they represent pays out as little amount as possible when faced with a claim. Most people thing insurance adjusters look at an accident from the objective point of view but that isn’t the case most of the times.
Can Insurance Adjusters Lie To You
There is no law stating that insurance companies should pay out any claim unless they have succeeded in reaching a settlement. When asked; Can insurance adjusters lie to you, the answer is simply YES. Insurance adjusters are allowed to tell you lies and the truth is many of them are encouraged to do so. An insurance adjuster is capable of telling an accident victim that he doesn’t have the right coverage when the driver actually does have the right coverage. They may convince you to accept liability for the accident when you shouldn’t.
The insurance company would always consider you to be an easy target if you do not have an attorney working with you. Attorney’s must have defended several similar cases like yours and they are very conversant with all the tricks an insurance adjuster would want to put up. This is why you are advised to take anything an insurance adjuster tells you as a grain of salt. One of the aims of an insurance adjuster telling you lies is for you to accept the insurance company’s low ball settlement offer.
Insurance companies are known not to offer a settlement that would cover up for all of your claims and damages and it is not the insurance company’s thing to pay you an amount higher than what they can get away with even when that is the right thing for them to do. If they can convince you to settle, you might end up waiving away all of your rights as well as other extra compensation benefits. If you accept their initial offer and later on you find out that it would not cover for medical bills then i’m sorry but you are not getting additional money.
If an insurance company offers a low ball settlement offer there are ways that you can get to fight back. The truth is if you do not have an attorney that is handling your claim then you are just at the mercy of the insurance company and they are not mandated or obligated to pay for any claim except a court order mandates them to do so.