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Tips for Dealing with Auto Insurance Companies

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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 they deserve:

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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 $75 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.

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