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Bad Faith: Insurance Adjusters

By Edited Nov 13, 2013 0 1

Keep in mind when filing a claim with your insurance company that the insurance adjusters have a job to do. That job is to ensure the insurance company pays you as little money as possible. The insurance adjuster may come across as personable and compassionate, but he or she is extremely well-trained to ask questions designed to hurt you and help the insurance company. Ideally, the adjusters would prefer if you and your claim simply went away, so they often employ strategies to discourage you, or change your mind. Such strategies range from being overly-friendly or being mean and intimidating, depending on what the adjuster thinks will work best on you. He or she may also try to discourage you from recovering more for your injuries by telling you how difficult it would be to get the courts to rule in your favor, or how expensive it would be to hire an attorney. Be careful not to fall into the trap of taking partial or full responsibility for the accident, or minimizing the nature and extent of your pain.

The following are additional references an adjuster may make to attempt to deny or reduce your claim:

    Defects in your car caused the accident.

    You only received treatment for you injuries weeks after the accident.

    Medical records show you may have exaggerated the injury.

    Only minor damage was done to your vehicle.

    There was no complaint of pain at the scene of the accident.

    Some other person, or you, was partly responsible for the accident.

    You weren't wearing your seatbelt.

    Medical records how that you had the condition you are reporting before the accident.

    There were no police reports and no witnesses.

    There was no request for medical care at the scene of the accident.

    You missed a lot of work time before the accident.

No matter how tempting, avoid getting into a conversation with the insurance adjuster. Listen to what the adjuster has to say and simply tell him or her that you'll think about what's been said. Insurance companies' claim adjusters are professional negotiators trained in psychological techniques designed to manipulate you, the claimant, into settling for the lowest possible dollar. Never give an oral statement to the other side's insurance company. This may hurt your chances of getting the compensation you deserve. You should always contact an <a href="http://www.trinitylawyers.info">experienced attorney</a> in negotiating insurance settlements to evaluate your case prior to any communication with the insurance company.



Aug 26, 2010 3:05am
You really do have to be very vigilant about what you say around insurance adjusters and the presence of a lawyer really helps with that.

Besides, having a lawyer at your side will give them the idea that you know what you are doing and you will not be taken advantaged of.
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