You may assume that your insurance company is there to help you after an accident. After all, you have been a paying and loyal customer for years. Your first thought to may be request compensation from the insurance company for your injuries. However, you may not realize that insurance providers often use tactics to minimize your claim or deny it completely. In order to avoid this happening in your particular case, you need to understand these insurance company tactics used to deny accident claims.
Denying liability and fault is a crucial element and far too many insurance claims. If another driver is responsible for the vehicle accident, then it will be important to pursue a claim directly with them. The insurance company may try to argue that they were not responsible and therefore, not pay the claim.
Delaying Your Claim
Insurance providers are responsible for processing car insurance claims in a timely fashion, but some companies use delaying or stalling tactics in an effort to force you to give up. Claims of ongoing investigations, coverage confirmation checks and more requirements to comply with are key indications that the insurance company may be taking advantage of you.
Minimizing Your Injuries
To limit the amount that is ultimately paid out to you, an insurance company may try to argue that the full extent of your injuries isn’t as serious as you allege it to be. They may hire a doctor or other medical professional to complete an independent medical evaluation. In some cases, these doctors may be trained to under report your injuries.
Pre-Existing Condition Allegations
An insurance adjuster may try to allege that the injuries you are claiming as a result of this accident are due to a pre-existing condition and were not actually caused by the crash at all. This can make many people hesitant about pursuing their injury claim but you should not hesitate to get help from an experienced injury lawyer who can walk you through the process. No insurance company should try to take advantage of you after you have been critically injured in an accident.