If you’ve been involved in an auto accident, it’s more than likely that fighting with your insurance company over who’s going to pay the bill isn’t high on your priority list. Rather, most of us would like to assume that our car insurance companies will quickly and efficiently handle our claims, allowing us to be fairly compensated per our contractual agreement.
Unfortunately, more often than not, car insurance companies don’t have your best interests at heart. Because the ultimate goal of an insurance company is to make money, insurance agents will often search for any loophole or “out” that will allow them to present you with an offer that won’t cover the extent of your damages. If you’ve been in an auto accident, make sure you watch out for the following tactics an insurance company may use against you, and, as always, contact Tate Law Offices if you have any hesitation that your insurance company is taking advantage of your situation:
Many have reported feeling cheated by their insurance companies when their insurance companies use their health against them. If an insurance agent asks to access your health records, don’t give your consent. A look at your health record may lead to a discovery about a minor health concern—such as poor eye sight—and whether or not there’s any chance that this health concern played a role in the accident—were you really wearing your glasses? Can you prove it?
Immediately following an accident, it’s not uncommon to rush over to the other driver while proclaiming things such as “Are you okay? I’m sorry!” regardless of whether or not it was your fault. Following an accident, make sure you don’t speak about the accident with anyone other than your insurance company or the officer who arrives on scene. Anything even slightly incriminating, such as “I’m sorry,” can be used against you as an admission of guilt. If there’s an admission of guilt, your insurance company will attempt to get away with not paying your claim.
After you’re in an accident, one of the first things you should do within the first 24 hours is call your insurance company and begin your claims-filing process. Many insurance companies have claims-filing deadlines that are based on the amount of time that’s passed between the accident and when you initiate the claim. If you miss your company’s deadline, there’s a good chance that they’ll use your lack of timeliness as a way to avoid paying your claim.
Your Payout Amount
Even if things go smoothly and your insurance company offers you a check, you may be taken back by the amount. Can it really be that little? Unfortunately, most insurance companies are going to try to fight your claim, and if they do make an offer, it’s most likely going to be much lower than it should be. Protect yourself by never accepting the first offer.
If you’re unsure about what a fair compensation amount is, or if you feel your insurance company has cheated you, make sure you contact Tate Law Offices today by calling 888-662-3892 or filling out an online form. A personal injury attorney can help walk you through the claims-filing process, and give you more information about what types of compensation you may be eligible for given your specific circumstance.