Common Car Accident Claim Denial Tactics

On Behalf of The Andres Lopez Law Firm , PA | March 11, 2024 | Uncategorized

Navigating the aftermath of a car accident can be a daunting journey, especially when it comes to dealing with insurance claims. While we all hope for a smooth process, the reality often involves intricate negotiations and, unfortunately, facing tactics from insurance companies aimed at denying or undervaluing claims. An experienced car accident attorney understands the tactics that insurance companies use and has experience fighting back in favor of the full settlement that their client deserves. Listed below are five common tactics that insurance companies use to deny or undervalue claims. Awareness of these tactics can help prevent you from falling victim to insurance companies and ensure that you receive a fair settlement.

1. Disputing Liability

One of the primary strategies employed by insurance companies is the questioning of liability. Insurers might attempt to shift blame onto you, suggesting that your actions contributed more significantly to the accident than they did. This tactic is designed to reduce their payout by either denying the claim outright or minimizing the compensation amount. Documenting all aspects of the accident and your injuries thoroughly, from the accident scene photos to witness statements, can help counteract this approach.

2. Minimizing Your Injuries

Another common tactic is the downplaying of your injuries. Insurance adjusters may argue that your injuries are less severe than claimed or that they pre-existed the accident. They rely on medical record reviews by their professionals to challenge the extent of your injuries or the necessity of your treatments. It’s crucial to have comprehensive medical documentation and, if needed, an independent medical opinion to support your claim. Receiving a full medical examination in the aftermath of an accident is crucial to counteract insurance companies that look to minimize your injuries.

3. Delaying The Claims Process

Delays can be a subtle yet effective tactic. By prolonging the claims process, insurers may leverage your mounting medical bills and financial pressures to coerce you into accepting a lower settlement. Timeliness in your responses and keeping meticulous records of all communications can help mitigate this strategy.

4. Using Your Statements Against You

Insurance companies often request recorded statements early in the process. While this seems benign, it's a tactic to find inconsistencies or comments that can be used to dispute your claim. Our friends at Patterson Bray PLLC always advise consulting with your attorneys before providing any statements to ensure you’re not unintentionally compromising your claim.

5. Offering A Quick, Low Settlement

An initial lowball offer is a classic tactic, preying on claimants' immediate financial needs. Accepting this offer waives your right to seek additional compensation later, even if your condition worsens. Legal guidance is essential here to understand the full extent of your claim's worth and to negotiate effectively.

Receiving Experienced Legal Assistance With Your Car Accident Claim

Understanding these tactics equips you with the knowledge needed to navigate the claims process more effectively. Facing an insurance claim denial or undervaluation can be challenging, but with the right strategies and professional guidance, you can assert your rights and pursue the justice you deserve. Don't hesitate to seek professional legal assistance to guide you through the process and help you achieve a fair outcome.