Do you prefer a part of what you are entitled to or all of what you are entitled to after an accident? We're sure it's the latter. You want to be reimbursed for every moment of pain and every sensation caused by an event beyond your control.
You deserve to be reimbursed what the law requires, not what an insurance company or someone who seeks to confuse you believes.
And it is precisely in that realm of confusion and inaccuracy that insurance companies sometimes feel comfortable. In some cases, they will seek to communicate only a part of the reality rather than the totality of the facts—the totality of what applies to your case.
We always advise you not to take your time deciding on the first offer you receive! You might regret it if you do. It is best to seek advice from legal experts in the field. With them, you will have a broader picture of the reality and what you are entitled to by law.
Where might insurance companies not be on your side?
One area where insurance companies may need to be added to your side is in the evaluation of your claim. Insurance adjusters are trained to minimize payouts and protect the insurance company's interests.
This means they may undervalue your claim or dispute the extent of your injuries to reduce their financial liability.
Another tactic insurance companies use is to delay or deny valid claims. They may employ various tactics, such as requesting excessive documentation or conducting lengthy investigations, to prolong the claims process and frustrate claimants into accepting less than they deserve.
This can be particularly challenging for individuals who are struggling financially and need prompt compensation to cover medical bills and other expenses.
Furthermore, insurance companies often pressure claimants to accept quick settlement offers in exchange for waiving their right to pursue further legal action. These initial offers are typically low-ball offers designed to minimize the insurer's payout. Accepting such an offer may be forfeiting your right to seek total and fair compensation for your injuries.
In addition to undervaluing claims and delaying payments, insurance companies may also use deceptive practices to deny coverage. They may misinterpret policy language, misrepresent facts, or unfairly deny legitimate claims to protect their bottom line.
It's essential to remember that insurance companies are for-profit businesses. Their primary goal is to maximize profits for their shareholders, often prioritizing their financial interests over the needs of policyholders and accident victims.
In conclusion, dealing with insurance companies can be daunting and frustrating, especially when recovering from injuries sustained in an accident.
Knowing their tactics to minimize or deny your claim and seeking guidance from experienced legal professionals who can advocate for your rights is essential.
Remember, insurance companies are not on your side, but with the proper legal representation, you can level the playing field and fight for the compensation you deserve.
Contact The Ward Law Group if you need clarification on what an insurance company tells you. Listening to a different opinion might be crucial for your compensation amount goals! Contact us and receive a free case evaluation!
Jany Martinez Ward
Partner
Jany Martínez-Ward is a Founding and Managing Partner of The Ward Law Group, PL, a Florida law firm representing victims of car accidents. She focuses her practice on providing legal representation to Hispanic clients that have become injured in a car accident as a result of the negligence of others. In 2018, The National Trial Lawyers Association recognized Jany as one of the top attorneys in the state and among the top 40 under 40 attorneys.
Author's Bio