Personal injury victims undergo lots of stress and pressure after suffering from an accident. Many victims have to take time off from work to deal with their ailments and they must also deal with medical appointments and insurance companies. The stress from the process will require a victim to seek help from a personal injury attorney. The attorney can advocate on the victim’s behalf to get the right settlement from the insurance company.
Unfortunately, not all insurance companies and their adjusters are professional. Some may try to hassle or lowball you in attempt to get the claim settled as quickly or cheaply as possible. Others may try to intimidate you with false information. As the the claimant, it is important that you are aware of your rights in a car accident dispute. In this article, we will explain the three improper tactics adjusters use to derail personal injury victims.
Overstepping Their Boundaries
By law, insurance companies are only allowed to request information that is pertinent to the case at hand. They will need to see the police report from the accident, your medical expenses, lost wages, etc. Any requests for extra information such as your sick leave pay, vacation time, past medical history, etc is unwarranted. The collateral source rule makes it illegal for adjusters to use other monetary awards you received to lowball you. They cannot use your sick time, vacation pay, other settlement damages as collateral.
They may also try to use other car accident injury claims you filed in other cases against you. Information from previous trials will typically be revealed during the discovery phase of the case. They may use this information to attack you and question your credibility. Requesting extra information is also a tactic used by companies to delay settlement and prolong the case.
You may be in contact with the insurance adjuster for several weeks before you find out the full amount of the insurance policy. Adjusters are very nice to claimant’s that do not have an attorney but do not take this hospitality lightly. Companies know that victims without a lawyer are less likely to know their rights or bring the claim to court. They try to low-ball them in an effort to save money and court fees.
You will find out the the true amount of the insurance claim once the company is forced to reveal the information. If you do not go to court, you may never find out the true amount of the claim. It is important to consult a personal injury attorney to help you file your claim to ensure you receive the compensation you deserve.
Arguing Over Medical Expenses
Another improper tactic adjusters will use is discrediting your medical expenses. They will claim that your medical treatment is excessive and will try not to cover your medical bills. If you are in the litigation phase, they may use testimony from a medical professional to further discredit your claims.
Contact the McMahan Law Firm For Help
Don’t let these shady tactics deter you. You still have the right to pursue your claim and receive the settlement you deserve. Contact the personal injury attorneys at McMahan Law Firm to receive a free case evaluation. Our attorneys will be standing by to offer their knowledge and support through this difficult time. You are not alone, call us today.