It’s important to realize that insurance adjusters do not act in your best interests when handling an accident-related insurance claim. Their main objective is to reduce the amount their organization pays out.
Often, individuals may feel overwhelmed by the process and need to learn how to protect their rights. Consulting a personal injury law firm ensures that you receive the compensation you deserve.
Among the many trusted personal injury law firms, Franklin D. Azar stands out. This firm is known for its aggressive representation and compassionate client care. With over 30 years of experience and a track record of recovering $2.3 billion for clients, they are well-equipped to help you navigate the complex landscape of personal injury claims and secure your rightful compensation.
The sections below explore some of the common tactics an insurance adjuster employs to reduce compensation.
Delaying the Claims Process
Insurance adjusters attempt to postpone the claims procedure. Bureaucratic red tape can be used to create unnecessary delays, ask for too much paperwork, or take too long to respond.
Claimants may become frustrated by these delays, particularly if they depend on reimbursement for other costs or medical bills. Long-term delays are supposed to put pressure on people to agree to a lesser settlement in order to go on.
Offering Lowball Settlements
Adjusters often start with a settlement offer that is less than the claim’s value. The purpose of these lowball proposals is to reduce costs for the insurance provider. Many claimants accept these offers without realizing they are entitled to more, especially those who are unfamiliar with the claims process.
It’s critical to assess the entire scope of losses, including lost wages, potential medical expenses, and pain and suffering, before accepting a settlement.
Questioning the Severity of Injuries
Downplaying or flatly disputing the extent of the injuries is another tactic. Adjusters may argue that the injuries were pre-existing, contest the findings of treating physicians, or request needless medical examinations. They try to defend a smaller settlement by raising questions about the veracity of the injuries.
Misinterpreting Policy Terms
Complex wording that can be challenging to understand is frequently seen in insurance policies. In order to restrict coverage, adjusters may take advantage of this by misrepresenting or misinterpreting policy provisions.
Additionally, they could completely refute certain statements using exclusions or technicalities.
If you think the adjuster is not following the policy’s conditions, it’s crucial to thoroughly review it and seek legal counsel.
Shifting Blame or Denying Liability
Adjusters may try to place the responsibility on the claimant or completely reject liability in certain situations. They can contend that the claimant has some or all of the blame for the accident. Reducing the insured’s percentage of fault can drastically reduce the payment in states with comparative negligence legislation.
Monitoring Claimants’ Activities
Insurance companies sometimes monitor claimants’ activities to find evidence that could undermine their case. This may involve reviewing social media profiles, conducting surveillance, or speaking with neighbors or coworkers.
Adjusters may use anything they find, even if taken out of context, to suggest the claimant is not as injured as they claim.
Final Thoughts
There are several strategies available to insurance adjusters to lower compensation. Consult a personal injury lawyer who can handle these tactics and fight for you in order to protect your rights and guarantee that you get just compensation.
Ensure someone is looking out for you because insurance firms are just interested in their own. Stay informed and conscious at all times throughout this procedure. When necessary, don’t be afraid to ask questions or get legal counsel.
