After an auto accident, you might assume your insurance company—or the other party’s insurer—will take care of everything. Unfortunately, that’s not always the case. Here’s what you need to know about the insurance company’s role in injury claims:
- Their Priority is Profits, Not Payouts
Insurance companies are businesses, and their goal is to minimize costs. This can mean potentially offering low settlements or denying valid claims. Studies show claimants with legal representation often secure significantly higher settlements. - They Control the Narrative
Insurance adjusters may ask for statements or documents that could be used to reduce your claim. Speaking with an attorney first may protect you from unintentionally undermining your case. - Delay Tactics Are Common
Insurers may delay processing claims in hopes you’ll accept a lower offer out of frustration or financial need. Don’t let time pressure you into settling for less than you deserve. - They May Dispute Liability
Even in clear-cut cases, insurers might argue about fault or damages. A skilled lawyer can help ensure your rights are protected and liability is properly assigned.
Our Recommendations
- Avoid Providing Statements Without Legal Counsel: Speaking with insurance companies or opposing parties without consulting a lawyer may jeopardize your claim. Insurance adjusters may use your statements to minimize or deny compensation. Always consult an attorney before discussing the details of your case with anyone.
- Do Not Post About the Accident on Social Media: Sharing details of the accident online may harm your case. Insurance companies and opposing counsel may use your posts to challenge your claims or reduce settlement amounts. Avoid posting anything related to the accident or your injuries until your case is resolved.
- Avoid Accepting Early Settlement Offers: Initial settlement offers from insurance companies may be lower than the value of your claim. They may not cover long-term medical costs or other damages. Consult with an attorney to evaluate any settlement offer to ensure you receive fair compensation.
How We Can Help
If you have a case, we’ll negotiate with the insurance companies on your behalf, ensure your claim is valued fairly, and fight for the justice and compensation you deserve.