If you have been injured in an accident and would like to file a claim by yourself, you will need to work with an insurance adjuster. Often times, the insurance adjuster may come across as affable and sympathetic to your situation. They might even try to make small talk, express concern, or even apologize.
The reality of the situation is that the insurance adjuster is not your friend. You should be wary of speaking to them before getting counsel from an experienced and dedicated personal injury attorney.
Insurance adjusters only have the best interests of their employer in mind. As such, they will do anything they can to try to deny your claim. Here are several tactics that insurance companies may use that you need to be aware of.
Tactic #1: Ask You to Sign Medical Authorization Form(s)
After you have signed medical authorization form(s), the insurance company is allowed legal permission to dig through your medical records. The insurance adjuster will be searching for evidence that the injury you sustained was pre-existing, and therefore deny your claim.
By signing these medical forms, you will also be giving them access to any psychiatric or psychological records you may have. They could potentially use this information in an attempt to discredit your claim or recollection of events.
Tactic #2: Hire Private Investigators to Watch You
If you file a claim on a serious injury that could potentially lead to a large payout, insurance companies can hire private investigators to avoid paying out legitimate claims. What they are attempting to do is prove that your injuries are not as bad as you’re claiming.
While it’s important for you to be completely honest about your injuries, the investigators could take candid photos or videos. These photos can be taken out of context and lead to false impressions about your injuries.
Tactic #3: Use Recorded Statements Against You
If you speak to an insurance adjuster, they will most likely ask you for a recorded version of the story. This is so the insurance company can later analyze what you said and attempt to find reasons to deny your claim. It’s best to let your attorney speak to the insurance companies on your behalf. They know what to say, and more importantly – what not to say.
Tactic #4: Insurance Company Can Try to Deny Liability
Insurance adjusters will also attempt to deny your claim when they deem the accident to be minor and the injuries minimal. They will insist that the injuries you have sustained cannot be from the accident due to how minor it was. They might also claim that you are partially at fault. By doing this, the insurance adjusters are hoping to devalue the claim or outright avoid paying it altogether.
The act of denying liability is a bluff on the part of the insurance companies. They are hoping to discourage you from pursuing the claim because you’re confused, frustrated and unsure how to proceed. This is why it’s important to have the guidance of an injury attorney to ensure fair compensation for your injuries.
Personal Injury Attorneys in Tacoma & Seattle
Here at Herrmann Law Group, we deal with insurance companies on a regular basis. We are well aware of the tactics that they employ in order to try to deny your claim. If you’ve been injured in an accident, it’s best to contact one of our personal injury attorneys to help you navigate through the often confusing and frustrating process of filing an insurance claim.
At Herrmann Law Group, we can help you in your quest to seek justice and restitution. Give us a call at (253) 627-8142 or schedule a free consultation. The insurance companies only have their own interests in mind, and you need an attorney on your side who’s willing to go the extra mile and fight hard for your legal rights.