Tips for Dealing with Auto Insurance Companies
Consult with a Palm Springs Car Accident Attorney Today
Most people turn to auto insurance companies for much-needed financial
support in the event of a
car accident. While many car insurance providers may present an appearance of being
on the driver’s side and constantly reassure drivers that they will
make every effort to pay them a fair settlement, it is important to remember
that insurers are still businesses with shareholders to please and profits
to protect. It is not in an insurance company’s best interests to
pay claims, therefore insurance adjusters may resort to less-than-honest
tactics to minimize, delay, or even deny payment of a motorist’s claim.
Fortunately, motorists who make themselves aware of these strategies and
follow key advice can protect their rights as a policyholder. If you have
been injured in a car accident, the following tips can help you deal with
your insurance company and maximize your chances of securing the compensation
Be honest: Withholding information or lying to your insurance adjuster is one of
the easiest ways to have your claim be denied. Provide them with the information
they request promptly and accurately, as long as their requests are reasonable.
Read your insurance policy: Insurance companies may sometimes mistakenly or intentionally misrepresent
your coverage. If your insurance adjuster claims that you are not covered,
do not take their word for it until you have thoroughly read your policy.
In many cases, a specific details regarding what exactly is and is not
covered may be hidden in dense legal terminology in the fine print of
your insurance policy.
Do not sign any authorizations for medical information: After a crash, your insurance adjuster may request that you sign an authorization
form that allows them to access your medical records. While this may seem
reasonable, what they will not tell you is that this authorization allows
them to sift through your entire medical history in search of evidence
of a past affliction that allows them to falsely claim that your injuries
were due to a preexisting condition.
Provide as much evidence as you can: The more evidence you have to back up your claim, the more likely you
are to avoid any delays or denials of payment. Include photographs of
the damage, witness testimonies, photographs of your injuries, copies
of medical bills, receipts for prescription drugs, and pay stubs to prove
lost wages. It is also recommended that you keep a journal recording all
difficulties that have been caused by your injuries, including your levels
of pain, activities that your injuries prevent you from doing, and any
days that your injuries have caused you to miss work.
Do not accept the first offer: The first settlement offer you receive will likely be far less than what
you actually deserve. While your adjuster will likely lead you to believe
that you must accept their offer as soon as possible, in reality, you
have much more time to consider your options and may conduct your own
independent repair estimates. An attorney can help you maximize your potential
settlement and ensure your rights are protected.
Fighting for Accident Victims for 40+ Years
By far the most effective way to ensure you receive your entitled coverage
is by retaining the services of a skilled attorney. At Cohn & Swartzon,
P.C., our Palm Springs car accident lawyers have recovered more than $50
million on behalf of injured clients and can provide the aggressive representation
you need to ensure your losses are reimbursed. From filing the necessary
paperwork to negotiating with adjusters, we can focus on securing your
compensation while you focus on your recovery.
Let us carry the legal burden – call (760) 530-4868 today to get started.