After the occurrence of an accident, which results in personal injuries to you or a loved one, it is not unusual for a claims adjuster from a liability insurance carrier to contact you to express sympathy and offer assistance in a time of need. While the adjuster’s friendliness and solicitude may seem legitimate, the insurance adjuster’s primary function is to save his employer (i.e., the liability insurance company) money by reducing or greatly diminishing the settlement of your claim. The tricks and tactics that insurance adjusters use to reduce or deny claims have affected hundreds of people throughout the years—which is why it is very important that all accident victims learn to recognize some of the most commonly utilized methods employed by insurance carriers and claims adjusters.
Becoming fully aware of commonly known tricks and tactics may help you or your loved ones avoid making an error that could prove extremely damaging to a personal injury claim.
Take it Slow – Don’t Rush into a Personal Injury Settlement
In many instances, accident victims require numerous doctor visits, medical and psychological treatment and extended time off of work before the scope and extent of their injuries are fully recognized and appreciated. As the scope and extent of medical care and treatment increase, so does the potential settlement value of your case. The first trick that many claims adjusters may utilize to reduce the payout on your case, is to rush the settlement process in order to close your claim before you receive all of the medical care that you need and deserve.
Ensure that You Receive Full Compensation – Don’t Accept Deliberate Underpayments
A claims adjuster also may intentionally send you less insurance money than your injuries and necessary treatment warrant. In the overwhelming majority of cases, receiving and accepting payment from a liability insurance company means that you intend to enter a full and final settlement of your claims. In other words, payment from an insurance company for injuries caused by its insured, often times represents full and complete payment on your injury claim. After you have deposited or cashed the check, you will not be able to request additional compensation in the future—even if you later discover the amount you received is not enough to cover your medical bills and other accident-related expenses.
Take it Slow, But Not too Slow – When is the Right Time to Settle?
Many claims adjusters know that being out of work, while simultaneously accumulating medical debt, can be very stressful and intimidating. Adjusters often develop various methods to stall the claims process, knowing—or at least hoping—that the longer the process takes, the more likely you are to accept a lesser amount of money to settle your claim. In other cases, an adjuster also may hope that stalling or delaying a claim will cause an injured party to overlook a statute of limitation deadline, which could have the legal effect of barring a monetary recovery on your injury claim forever.
Level the Playing Field – Contact Zwick Law
Almost all insurance companies and adjusters want injured parties to avoid consulting with an experienced personal injury attorney—an attorney who will recognize their deceiving tricks and tactics. The primary objective of a claims adjuster is to settle claims as inexpensively as possible, or even deny the claim in its entirety. Throughout the settlement process, many adjusters will discourage you from consulting with an attorney, all while providing you with hope that they will work with you to settle the situation fairly (and, untimely, at a value much lower than you deserve).
If you or someone close to you is involved in an accident, the best thing to do is to contact a personal injury attorney immediately. An experienced attorney, who is dedicated to being your advocate, will ensure that your claim is handled professionally, fully and fairly throughout the entire process – from injury to absolute compensation. At Zwick Law, our experienced team takes pride in representing our clients diligently and aggressively through every stage of a claim.
With offices conveniently located in DuBois and Brookville, Pennsylvania, we are standing by to provide you with the peace of mind you deserve. For questions concerning a personal injury claim, contact Matthew R. Zwick at (814) 371-6400 or email@example.com, to schedule a free legal consultation and case analysis. At Zwick Law, we’re always here for you.
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