Having seen many car insurance ads on TV, you may think insurers are all nice, friendly, helpful folks eager to help you after a car wreck. But in truth, car insurance companies want to pay you as little as possible on your claim. And they will fight to deny, delay or underpay.
It’s simple math: The less they pay, the more money they make.
You Don’t Need To Record A Statement
In order to pay you less, adjusters who work for insurers use many car insurance company secrets, or tricks of the trade. One of these is to claim that you must make a recorded statement about your accident.
The truth? You don’t — and you shouldn’t.
Insurance claim adjusters are trained to ask leading questions to trap you and gain statements which can be used against you later. They may ask how you’re feeling — weeks after your car crash injury — and you may say “much better” or “fine.” Then they will use that against you when assessing your claim for injury losses.
Again, you are not obligated to make any recorded statements to the insurance company handling your claim — likely the insurer of the at-fault driver who hit you. If the insurer insists, direct the insurer to your car accident attorney at Jim Adler & Associates, who can provide police and medical records to substantiate your claim.
You Should Hire An Attorney
Insurance adjusters also will tell you they can settle your claim quickly, and you don’t need an attorney. But the fact is, persons who engage car wreck lawyers get more money for their claims than those who don’t. How much more? Around 40 per cent higher, according to the Insurance Research Council.
No wonder car insurance companies try to trick you into believing a lawyer isn’t needed. That’s another car insurance secret.
Avoid ‘Team’ Adjusters At All Costs
An insurance company also may give your claim to a “team” of adjusters. Avoid these.
Why? They’re the adjusters who have the least authority to pay you money. In short, they will deem your accident minor and will “low ball” your claim more than any other adjusters.
However, if you file a car accident lawsuit to gain proper payments, your claim likely will be assigned to an individual adjuster who has more authority — and can pay you more.
Exposing Car Insurance Secrets
CNN investigative reporter Anderson Cooper also has produced reports on the deceptive practices of insurers in handling car insurance claims. So their “secrets” are being exposed. But many people are still being fooled by those seemingly friendly ads. Don’t be one of them.
Instead, when you or a family member has been injured in an auto accident, notify the experienced and knowledgeable car accident lawyers at Jim Adler & Associates. They’re trained to know what your injury is worth, and they can represent you in dealing with insurance companies by fighting for your right to receive the payments you deserve.