Dealing with Insurance Companies

       Dealing with an insurance company after an accident or personal injury is almost inevitable. Many people fall victim to sneaky practices, losing part or all of their potential compensation. It is important that you know how to deal with insurance companies. Here are some helpful tips:

1_ when it comes to paying out insurance companies are NOT on your side. 

Keep this in mind:  While your insurance company will duke it out for you in court to prove that you are not liable for an accident, they are only doing this to avoid paying out. When it comes down to your insurance claims, your insurance company's primary objective is to give you the smallest amount possible.

2_ If possible, do not deal with insurance companies directly. 

It is very easy for experienced professionals in insurance to find a loophole in your story, or to somehow find a reason not to pay compensation. It doesn't matter how legitimate your claim is; even if the claims adjuster knows you are entitled to compensation, they will do their job to the best of their capacity. And their job involves giving you as little money as possible. If possible, have your personal injury lawyer deal with insurance companies on your behalf. A personal injury lawyer will be experienced in these matters, and will not fall prey to common tricks employed by insurers in order to cheat you out of your claim.

3_ Be aware of recorded interviews.

. Many people with personal injury claims have been manipulated during these sessions into saying things that would allow the insurance company to deny them compensation. These tricks usually involve loaded questions or confusing language. If possible, have your lawyer present, or have them answer all statements for you.

4_ Don't give in to pressure. 

If you are entitled to a claim, an adjuster will likely come visit you at home or at work, offering you a settlement. This settlement is often much smaller than what you are really entitled to. Never hastily sign a release form; this may prevent you from receiving the true compensation you are entitled to. While not all claims have to go to court, it is important that you discuss with your lawyer any settlements that are offered. A personal injury lawyer will be able to tell you whether or not an offer is reasonable, and if it is a good idea to accept it.