The Games Insurance Companies Play And How To Avoid Them
When you or someone you love has been injured due to another person’s or business’ negligence, it is important to remember that insurance companies prioritize profits over the well being and recovery of personal injury victims.
In most cases, claimants will negotiate with insurance companies and their adjusters when seeking pecuniary compensation for damages; however, in Florida, victims generally must obtain relief from the at-fault party’s insurance company.
Understanding how insurance companies pursue negotiations can help you maximize your claim’s financial recovery potential and avoid traps and pitfalls.
Insurance companies and their adjusters may give the appearance of amicability by providing world-class service, but they ultimately fail to protect your legal and financial interests.
With the benefit of an experienced personal injury attorney, you can rest assured that the details of your claim will be handled thoroughly and your damages prioritized.
David Shiner and the award-winning, nationally-recognized attorneys at the Shiner Law Group understand the innovative techniques insurance companies pursue to avoid financial liability, from efforts to outright deny a personal injury victim’s claim to stalling or prolonging the claims process to encourage early and low settlement; however, our seasoned law firm has the legal resources to handle the complexities of your case and take large national insurance chains (and their policyholders) to trial, if necessary.
Tactics to Encourage Early and Low Settlement
In any personal injury claim, insurance companies may seek to take advantage of victims by offering an early settlement package to resolve the incident quickly and inexpensively.
This tactic prevents claimants from pursuing a broad range of damages for injuries that require months – or even years – to recover from.
Therefore, it is important for claimants to receive immediate medical attention and retain all copies of medical expenses related to the accident.
Accepting a settlement offer is dependent on the facts and circumstances of each case, and your personal injury attorney can help advise you of your legal rights and responsibilities. Claimants who lack the benefit of legal representation are typically offered settlements that are grossly lower than what the damages warrant.
Personal injury victims can effectively anticipate (and counter) aggressive insurance tactics by bringing a legal cause of action against an at-fault business or individual, which may prompt a stronger settlement offer.
Note that most personal injury cases can be negotiated outside of court.
Protecting Your Personal Injury Claim
There are several steps an insurance company may take to limit your financial recovery potential, making it imperative to consult legal counsel prior to speaking with an adjuster.
After an accident, the defendant’s insurance company may request a written or recorded statement to review how the accident occurred, as well as any damages sustained. These statements are often used to damage the claim.
Additionally, while a legal claim is pending, insurance companies actively browse a claimant’s social media presence to downplay the severity of the injuries sustained.
If you or your loved one suffered from physical injury or property damage, anticipate that any photographs or videos posted may be used to minimize, stall, or deny your financial recovery.
Types of Personal Injury Cases We Handle
- Car Accidents
- Slip and Fall
- Motorcycle Accidents
- Truck Accidents
- Premises Liability
- Product Liability
- Wrongful Death
Speak with a Shiner Law Group Personal Injury Lawyer