Insurance adjuster going over claim with accident victim.

Tricks Insurance Companies Use to Deny Claims

Our reasoning for purchasing car insurance – or any insurance for that matter – is so that we will be covered in the event that we incur damages from an accident. But it is important to keep in mind that the goal of the insurance company is to make money and in order to do so, the company must keep its money. Therefore your interests are opposite of one another. That’s why insurance companies will do what they can to save money. Here are some tricks they may use to deny insurance claims. 

They try to make you think they are on your side. 

One of the most difficult aspects of dealing with a car accident is the stress it brings. When we feel stressed and alone, one of the most appreciated act is compassion. That’s why many insurance adjusters will act as though they are on your side. Be sure to remember that no matter how nice they may seem, they still have a job to do.

They use what you say against you.

You may be under the impression that you have an obligation to tell the insurance adjuster exactly what occurred. However, this is not the case. When they ask you for permission to record your statement (and they will), you do not need to provide them with approval. Don’t share what happened to you without your attorney present. Since your insurance company hopes to pay you nothing or at least a minimum payment, your insurance adjuster will often use what you say against you in order to disprove all or parts of your claims. 

They give you reasons for not needing a lawyer.

Again, remember that your insurance adjuster is always working to diminish your recovery. He or she may try to convince you that hiring an attorney is a poor idea since you would have to share part of your settlement with them. However, what they are failing to explain is that individuals who hire an experienced personal injury attorney are generally awarded more money as their attorneys are great negotiators.

They ask you for all of your medical records. 

There is a good possibility that your insurance company will request a copy of your medical records. And while this may seem somewhat reasonable, they may be using your records to discover a pre-existing condition that can help them to fight your financial recovery. 

They ask you to make a deal.

When you are deep in medical and auto shop bills, nothing seems greater than receiving money. Insurance companies are aware of this and may ask you to sign a release before paying you. What you may not realize is that once you sign on the dotted line of the release you are no longer able to receive any payments from them, even if you incur new medical expenses. Since many conditions and injuries may present themselves after some time, you may just end up on the short end of the stick.  

They keep putting you off. 

One of the most frustrating yet commonly used tactics of insurance companies is to stall and keep putting you off. Despite your many calls, they may tell you that the paperwork is still processing or that someone will return your call. They may also tell you that they are waiting for something before they are able to move forward. Though it may seem like they are being honest, they likely hope that you will get annoyed enough to eventually give up.

They intimidate.

Since insurance companies are trying to minimize your recovery, they may attempt to intimidate you into believing that some of your medical treatments were unnecessary and that they will not approve of them. However, it is important to keep in mind that your medical treatment is the decision of your doctor.  

The Attorneys at Jones Kahan Law, LLC Can Help Navigate Insurance Claims

If you or a loved one has been injured in a car accident, it can greatly impact many parts of your life. The physical, emotional, and financial toll can be overwhelming. That’s why it is so important to consult with a knowledgeable and experienced auto accident attorney. 

At Jones Kahan Law, LLC, our Cincinnati personal injury attorneys have a long history of dealing with auto accidents and have helped our clients to recover the compensation that they deserve. We will fight for what is in your best interest. We don’t charge you any attorneys’ fees until we win your case. To learn more or to schedule a free consultation, contact us today