It would help to keep in mind that the number of automobile accidents that occur each year, depending on the severity of the collision, will send several people to the hospital, racking up medical bills that will result in lost wages due to missed work. Often, dealing with an insurance company can become frustrating, and for this reason, it pays to know the secret techniques of the insurance claims adjuster.
The best way to avoid this type of inconvenience is to have an attorney representing and protecting you. But if you still don’t know the tactics used in these cases, I invite you to keep reading carefully because, here, you will find all the information you will need.
Insurance claims adjuster secret tactics
There are several tactics that the insurance claims adjuster can apply to approve or deny the insurance claim. These are some of the main ones:
Requesting a recorded statement
Asking for an official statement to be made immediately is a secret tactic of the insurance claims adjuster. In this way, they try to trap the person as potentially guilty, even when they know they were not.
The adjusters will use leading and manipulative questions that will lead you to saying things you shouldn’t say. They will, then, use them to dispute the claim.
In some cases, insurance claims adjusters directly deny that the insured driver was at fault. This is a tactic designed to force the person to admit fault or at least partial fault.
If you want to avoid suffering damages in these cases, it is best to always be prepared, but it will be difficult to fight if you are not informed. Victims of an accident are usually in a vulnerable state because they have just been through a traumatic experience, so companies will always look to take advantage.
Low settlement offer
Adjusters will always undermine the value of the claim and the severity of the injuries by offering a low settlement that will not cover the extent of the injuries. This is especially used by adjusters with the goal of delaying the process and intentionally wearing down your patience.
In these cases, they will take advantage of your lack of patience to get you to accept a low settlement amount when in reality, you deserve more.
Giving you a false deadline
In order to get you to accept a lower offer than you really deserve, adjusters will tell you that you have to accept the offer by a specific deadline. This is an arbitrary deadline that you should not accept because it is a tactic that is designed to pressure you, but if you are still receiving medical treatment, you will not be under any obligation to accept their offer.
Requesting unnecessary documents
This is a tactic that greatly delays the process and is quite common. Some adjusters will make requests for old medical documents and other extra documents to delay the resolution of the claim.
Once they get their hands on the documents, they will use them to undermine the case. Old records will be used only for the purpose of asserting that the treatment received was to treat a pre-existing condition that did not result from the accident.
Minimizing the extent of the injuries
In these cases, they will try to convince you that the injuries are being exaggerated and invalidate the traumatic experience you went through. Insurance claims adjusters are not medical professionals, but they will always question victims about treatments that may have saved their lives.
Trying to talk you out of seeking legal advice
Should you mention that you are going to seek legal advice, the insurance claims adjuster will most likely discourage you. They will know that if you have legal representation, their tactics will not work because lawyers are skilled at fighting them. For this reason, they will do everything they can to keep you from getting advice from an attorney.
Saying they are always on your side
In case the insurance adjuster tells you that he wants to help you as a friend, he is lying. Their loyalty will always be to their company and they will use manipulation to make you feel like you are in good hands.
Any claim that they will work for your benefit is false and contradictory to the job they have been hired to do. Do not fall into the trap of thinking that they are on your side and that you do not require a lawyer, because this will be nothing more than a trap.
How can you deal with the secret tactics of insurance claims adjusters?
You should avoid some situations with insurance adjusters so that you can get a fair settlement. Among them are:
- You should never give an official statement, even though adjusters will always try to get you to do so.
- You should not be tricked into accepting the first offer you are given, even if you feel it is a lot of money and you are inclined to accept, because this will always be the lowest offer.
- Avoid providing irrelevant and old medical records because they could be used against you.
- Never let them convince you that the medical treatment received is unnecessary, and don’t provide unnecessary details that could be used against you.
- Don’t rely on their efforts to make things right because they will usually be acting in favour of the insurance company.
- It is always best to hire an experienced attorney to handle insurance claims because that is the only way they will not use their tactics to get you to fall into their traps.
If you follow these simple tips, you can ensure that their tactics will not work, and you will avoid falling into their traps so that you do not settle for less money than you are actually entitled to.
When should you hire a personal injury attorney?
Many victims who are involved in a car accident follow a long and painful recovery process with overwhelming medical bills, lost wages and permanent disabilities. In all cases, there are laws that will allow you to seek compensation, and it is always best to have a good law firm.
This way, you will always have the advice you really need, and you will avoid the insurance adjusters doing their thing. It is always important that you get fair compensation for all your injuries and that all associated expenses are covered. Otherwise, you will end up paying large sums of money for your medical bills that you souldn’t pay if you are insured.