When you’re in a serious wreck and are recovering from your injuries, there's a temptation to call the insurance company and tell them everything they want to know so you can get back to normal as soon as possible. What you might not realize is that the insurance company has a playbook of tricks and strategies that could make it much harder to earn the full damages you need to move forward.
With that in mind, here are three insurance company tricks every driver should know.
Be extremely cautious about what you say to the insurance company, especially on the phone. If the insurance adjuster asks you to make a recorded statement or if you hear “this call is being recorded” when you dial in, there’s a very good chance that anything you say could be misconstrued and used against you.
It’s often best to let your attorney handle the conversation for you. Remember that you have no obligation to provide a recorded statement without your attorney present. At Carter Mario Law Firm, our attorneys would advise that you do not provide a statement before consulting your attorney. Instead, report the crash, provide the other driver’s information, and then consult your attorney without providing additional comments.
Insurance adjusters know that a car crash is traumatic. Most people want to put it behind them as quickly as possible, which means they’re more prone to accept settlement offers well below what they need to cover their damages and move forward.
Remember that insurance adjusters are negotiators. They have calculations to determine exactly how much your case is worth, but they’ll make a low offer first because their goal is to save the company money.
Your attorney can also perform these calculations and will fight to pursue the full amount you’re entitled to under the law. Remember that hiring a personal injury attorney can get you three times as much money as those who do not work with a lawyer.
If you wait to receive treatment after a crash, the insurance company may argue that your injuries are not as serious as you claim. They may even argue that your injuries are unrelated to the accident. This is especially stressful in the case of latent injuries, where a yet undiagnosed condition results in internal bleeding, organ damage, or a fracture days later.
That’s why it’s critical that you go directly to the doctor’s office immediately after the crash and attend routine appointments until your physician says your health has been restored to what it was before the accident or that you have reached maximum medical improvement. This effectively eliminates doubt from the insurance company and demonstrates that you sought medical care as a direct result of the crash.