In this article, we'll discuss six tricks that insurance companies may try to pull on you and what you can do to protect yourself.
Insurance companies will often call you repeatedly in an attempt to get a statement from you. They may use this statement against you later to minimize the payout or deny your claim altogether. If you're experiencing this, it's important to know that you have the right to refuse to give a statement without legal representation. In fact, it's often recommended to hire a lawyer before speaking to the insurance company at all. Reach out to EHW to find out what to do next.
Insurance companies may also try to offer you a cash settlement to resolve the case quickly. However, it's important to be cautious about accepting such an offer. By accepting the money, you're effectively settling the claim, which can limit your chances of bringing the insurance company to court later on, regardless of how hurt or how much property damage there is. It's best to consult with a lawyer before accepting any settlement offers.
Insurance companies may not disclose the at-fault party's insurance coverage to avoid paying out the maximum settlement. This can limit the amount of compensation you're entitled to receive. If you suspect this is happening, it's important to speak with a lawyer who can investigate and negotiate on your behalf.
Insurance companies may also make the filing process intentionally difficult by not returning calls, emails, or sending more people your way. This can cause frustration and delay your claim. If you're experiencing difficulty filing your claim, it's important to consult with a lawyer who can guide you through the process and ensure that your rights are protected.
Insurance companies may also try to send the injured party to their partnered medical facilities and repair shops. This can be done to make false claims or undervalue the situation, resulting in a lower settlement offer. It's important to seek medical attention from a trusted medical professional and obtain an independent assessment of the damages sustained.
Finally, insurance companies may also try to deny Personal Injury Protection (PIP) benefits. PIP is a type of insurance that covers medical expenses and lost wages for the injured party regardless of who is at fault for the accident. Insurance companies may deny PIP benefits in an attempt to avoid paying out the full amount owed. If your PIP benefits have been denied, it's important to consult with a lawyer who can help you navigate the appeals process.
In conclusion, insurance companies are focused on protecting their financial interests and may use various tricks to minimize payouts and deny claims. It's important to be aware of these tactics and to consult with a lawyer who can help you navigate the claims process and ensure that your rights are protected. Contact EHW for help with your car accident claim.