RSSA Personal Injury Attorney is Your Best Defense Against Unscrupulous Insurance Adjusters
Insurance is an integral part of our lives.
Up until your injury, you only dealt with an insurance company to pay premiums for your automobile insurance or to file a small claim for damages to your house. Now that you have been injured in an accident, you are dealing with an insurance adjuster whose job it is to adjust and settle your claim for the insurance company for the minimum amount of money.
A Policy Defense
When an adjuster investigates a claim, the first paragraph in every report back to the insurance company is a section entitled “Policy Defenses.” This paragraph details whether or not the insurance company has a possibility of minimizing the claim or avoiding paying the claim all together.
What does this mean to you?
Well, it underscores that the insurance company’s first order of concern avoiding or minimizing your claim unless it absolutely is required to pay you more.
Insurance Delay Tactics
Admittedly, the insurance adjuster is required to gather a lot of information to develop a settlement recommendation for his carrier. However, many unscrupulous adjusters, in conjunction with the insurance company, use certain tactics to exhaust and confuse you.
At some point, they hope that you will take what they offer and walk away. Some of the tactics used include:
Extensive And Repeated Examinations. The insurance adjuster will demand that you have multiple “examinations” and “tests” before authorizing the payment of your medical bills. Often, you will have to be seen by “their” doctor. He will almost always diagnose minimal injury and impairment associated with the claim. Big surprise, right?
Extensive Paperwork And Inspections. The insurance company will require that you fill out forms and have your automobile or other property inspected by the adjuster (if it was involved in the accident). You will have to get multiple repair estimates unless you agree to take the vehicle to “their” repair facility where it will almost always be repaired with as little cost to the insurance company as possible. Again, big surprise, right?
Recorded Or Written Statements. You will almost always be required to give a written or recorded statement right after the accident. Adjusters and insurance companies know that certain personal injuries do not manifest themselves until many days or weeks after an accident. The hope is that, right after the accident, you will make an admission that you were not badly hurt. Your statement is now “locked in” and will be difficult to change later.
Find A Personal Injury Attorney To Represent Your Interest
You will find that even if you cooperate extensively with the insurance company and adjuster, months later, the insurance company is not willing to pay for all your medical bills and properly compensate you for your pain, suffering and lost wages. You will often be broke (from your inability to get to and from work) and unable to work and willing to settle for pennies on the dollar.
Speaking to a competent personal injury attorney soon after the accident is the smart way to preserve your claim. A personal injury lawyer, accident attorney or wrongful death attorney (in the case of a death) can help you preserve crucial evidence, document latent injuries and properly calculate complicated lost wages and personal injury impairment.
Richards Bertrandt is an attorney and counselor. Bertrandt counsels his clients on how to find a personal injury lawyer using the tools found at Find-An-Attorney-Now.com
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Tags: Adjusters, Against, Attorney, Defense, Injury, Insurance, Personal, Unscrupulous