Automobile Accident Claims: What Insurance Companies Won't Tell You

Insurance companies have one priority, that is to limit your claims and minimize their exposure and payout after an accident or injury. Insurance adjusters will not tell you how much your case is worth or give you an opportunity to recover the full compensation you are entitled to. Knowing some of the information an insurance company will withhold, or tricks they might use can help you protect yourself in the event of an accident.

Things an Insurance Company Will Not Tell You

1. How much the defendant is insured for, what the policy limits are, and how much you are entitled to under the defendant’s policy;

2. You do not have to give a recorded statement to the Defendant Driver’s insurance company;

3. Insurance adjusters will try to get a recorded statement from you and ask you questions, which will misconstrue what happened;

4. An insurance companies' main focus is to limit your claim and protect their bottom line;

5. It is a business decision for them and your claim changes their business' position;

6. The adjuster will act like they are protecting your interests, with a friendly demeanor, but what they don’t tell you is they are only seeking to limit your claim; They work for the Defendant’s insurance company!

7. The adjuster will lead you to believe they are investigating the claim, what they don’t say is, in fact, they are seeking evidence to defeat or reduce your claim;

8. Settling your claim quickly only benefits the insurance company;

9. The insurance company may send you a check, for property damage or medical bills, what they don’t tell you is by cashing the check, it may have the effect of full and final settlement of your case;

10. They will not help you find a doctor and may even tell you it is not necessary;


11. If you sign a medical authorization they will get your current and past medical records to use against you;

12. The adjuster will try and talk with your medical providers, if you signed a medical authorization, and lower your medical costs so they can lower your claim value.

13. They will not pay your medical bills until the claim is settled; (See also what to do if the accident insurance adjuster claims medical bills are unreasonable).

14. The lower amount the insurance company can pay you for your property damage, the less value they will put on your injury claim;

15. The adjusters are trained to assess injuries based on low property damage; The insurance company feels low property damage equals a small or no injury!

16. If you wait to see a doctor, the insurance company will determine, you could not have been hurt;

17. Significant gaps of time, in between doctor treatments, will be treated as though you are not hurt;

18. Your medical bills will be reviewed and the adjuster will lower the value of your medical bills based on their own evaluation of your treatment;

19. The adjuster will also decide some of your treatment was not necessary and simply fail to consider this portion of your treatment;


20. You need a good attorney to work for you and protect your rights.

21. Protect your rights with strategic legal advocacy you can trust

22. Experienced Plaintiff’s attorneys are focused on helping their clients protect their rights and claims against unreasonable insurance companies. After an injury, you may be entitled to significant compensation for medical expenses, pain and suffering, lost wages, long-term care needs, wrongful death of a loved one, or other financial and personal losses you have suffered. An experienced attorney will take a comprehensive approach to fully value your case so that you get the compensation you deserve.

An experienced attorney will take action on your behalf to:

  1. Negotiate all parts of your claim
  2. Your settlement with the defendant
  3. Your medical bills
  4. Subrogation by your health insurance
  5. All lien holders for medical expenses
  6. Medicare and Medicaid liens
  7. Protect you from signing documents that may waive your rights or claims for recovery;
  8. Protect you from making recorded statements that could limit your future rights and claims;
  9. Prevent cashing of property checks that may result in the loss of your claim; and
  10. Stop insurance companies from using your records, words and statements against you.
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