What Personal Injury Lawyers Wish You Knew About Insurance Companies
When you’re in an accident, you expect your insurance company to have your back. After all, you’ve been paying your premiums, so they should be on your side, right? Unfortunately, that’s not always the case. Insurance companies are businesses, and their goal is to minimize payouts—not to get you the compensation you deserve. Here are five things personal injury lawyers wish you knew about insurance companies before filing a claim.
1. Insurance Companies Are Not Your Friends
The friendly adjuster on the phone may seem like they genuinely care about your well-being, but their primary job is to protect the company’s bottom line. They are trained to find ways to minimize the payout on your claim. Be cautious about what you say, and never assume they have your best interests at heart.
2. Your First Offer Is Almost Always Too Low
Insurance companies often make quick, lowball settlement offers hoping you’ll accept without questioning it. They count on you being stressed, overwhelmed, or uninformed about your case’s true value. Before accepting any offer, consult with a personal injury lawyer to ensure you’re getting fair compensation.
3. They Will Use Your Own Words Against You
After an accident, insurance adjusters may ask you for a recorded statement. What seems like a harmless conversation can actually be used to devalue or deny your claim. Even saying something as simple as “I feel fine” could be twisted into evidence that you weren’t injured. Instead, let your attorney handle all communications with the insurance company.
4. Delaying Tactics Are a Common Strategy
Insurance companies know that medical bills and lost wages add up quickly. Some will intentionally delay processing your claim, hoping you’ll become desperate and accept a lower settlement. Don’t let these tactics pressure you into settling too soon. A skilled attorney can help push back against unnecessary delays.
5. Hiring a Lawyer Can Increase Your Settlement
Studies have shown that injury victims who hire an attorney tend to receive significantly higher settlements than those who negotiate on their own. Insurance companies take claims more seriously when a lawyer is involved, and an experienced personal injury attorney knows how to fight for the compensation you deserve.
Final Thoughts
Navigating an injury claim can be overwhelming, and insurance companies often take advantage of victims who don’t know their rights. If you’ve been injured in an accident, don’t go up against the insurance companies alone. Contact Abron Law today for a free consultation and let us fight for the compensation you deserve.
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