How Insurance Companies Try to Reduce Your Claim
When you’ve been injured in an accident, filing a claim with an insurance company is often the first step toward recovery. However, insurance companies are businesses focused on minimizing their payouts. They use various tactics to reduce your claim or deny it altogether. Understanding these strategies can help you protect your rights and ensure you receive the compensation you deserve.
Common Strategies Insurance Companies Use
Typing and Minimizing Your Injuries
Insurance adjusters may try to downplay the severity of your injuries by questioning your claims or suggesting your injuries are minor or pre-existing.
How they do it: They might ask for detailed medical histories or dispute diagnoses, implying your injuries are not entirely caused by the accident.
Your defense: Keep thorough medical records, and work with a medical professional to document the full extent of your injuries.
Delaying Responses and Payments
Timing is a key tactic. Delays in processing or approving your claim can pressure you into accepting a lower settlement.
How they do it: They may take months before settling, hoping you’ll accept a lesser amount out of frustration or financial hardship.
Your defense: Stay proactive—consult VanDerGinst Law early, and don’t settle until your injuries are fully evaluated.
Asserting Fault or Comparing Liability
Insurance companies might try to shift blame or argue that you are partly or fully at fault to reduce their liability.
How they do it: Claiming you caused the accident or that your injuries aren’t as severe as you state.
Your defense: Collect evidence demonstrating how the accident occurred and avoid making statements that could be used against you.
Challenging the Validity of Your Injuries
Adjusters might question the legitimacy of your injuries, particularly if symptoms are delayed or inconsistent.
How they do it: Requesting additional medical examinations or questioning the necessity of treatments.
Your defense: Follow your healthcare provider’s advice, maintain detailed treatment records, and consider consulting with a doctor who can support your claim.
Trying to Get a Recorded Statement
Insurance companies often request recorded statements early in the claims process.
How they do it: These statements can be used to find inconsistencies or reduce liability.
Your defense: It’s usually best to decline providing a recorded statement until you speak with a personal injury attorney.
How to Protect Yourself
- Consult VanDerGinst Law early: Legal guidance ensures your rights are protected and that you don’t inadvertently weaken your claim.
- Maintain detailed records: Keep copies of all medical bills, reports, photos, and correspondence.
- Be cautious with communications: Avoid making statements that could be used against you, especially before consulting legal counsel.
- Don’t accept quick settlements: Wait until your injuries and damages are fully evaluated.
Final Thoughts
Insurance companies aim to minimize their payouts, but knowing their tactics can help you stand your ground. The key is to stay informed, keep detailed records, and seek professional legal advice. If you’ve been injured and are concerned about your claim, VanDerGinst Law is here to help. Contact us today for a free consultation and ensure your rights are protected.