Have you been injured in an accident and found yourself dealing with an insurance company? Insurance adjusters may seem helpful, but their primary goal is protecting their company’s bottom line. What they don’t tell you could significantly impact the compensation you’re entitled to.
What Insurance Companies Don’t Want You to Know
When you’re injured and vulnerable, insurance companies often use specific tactics to minimize your payout. Here are five crucial facts they’d rather keep hidden:
- Your Initial Offer Is Almost Always Low. Insurance companies count on you not knowing your claim’s true worth. That first offer might seem reasonable when medical bills are piling up, but it rarely accounts for long-term medical needs, lost wages, or future complications. Don’t be pressured into accepting it.
- You Don’t Have to Give a Recorded Statement. Despite what adjusters might tell you, providing a recorded statement isn’t mandatory. These statements are often used to find inconsistencies or gather information that could be used against your claim later. Politely decline until you’ve spoken with a personal injury lawyer.
- The “Independent” Medical Exam Isn’t Really Independent. When insurance companies request a medical examination, they typically choose doctors who regularly work with them. These exams often result in reports that minimize injuries or attribute them to pre-existing conditions, potentially reducing your compensation.
- There’s No Rush to Settle. Insurance adjusters might push for a quick settlement, claiming it’s their “final offer” or that time is running out. However, you have legal rights and deadlines set by law, not by the insurance company. Taking time to understand your injuries’ full impact is crucial for fair compensation.
- Your Social Media Can Hurt Your Claim. Insurance companies actively monitor claimants’ social media accounts, looking for photos or posts they can use to dispute injury claims. Even innocent posts about daily activities can be twisted to suggest your injuries aren’t serious.
Don’t Settle Injury Claims for Less Than You Deserve
When you’re dealing with an insurance company after an injury, knowledge is power. Don’t let their tactics prevent you from receiving the compensation you deserve. The Law Offices of Tim Misny can help you navigate these challenges and protect your rights.
Call my office at (877) 944-4373 so that I can evaluate your case right away. When insurance companies try to shortchange you, I’ll Make Them Pay!®
