One of the most surprising things people discover after an accident is that insurance companies are not on their side. While insurance is supposed to provide a financial safety net, adjusters often work to minimize payouts by devaluing your personal injury claim. Many people aren’t aware of how these companies operate and assume that the settlement offer they receive is fair. However, insurance companies use various tactics to reduce the amount they have to pay, which can leave you with insufficient compensation for medical bills, lost wages, and other damages.
One common tactic is to downplay the severity of your injuries. Insurance adjusters might argue that your injuries were pre-existing or not as serious as you claim. They may also delay processing your claim, hoping that financial pressure will push you to settle quickly for less than your claim is worth. The longer the delay, the more likely you are to accept a low offer, especially if you’re struggling with medical expenses or time off work.
Another strategy used by insurance companies is to question the necessity of certain medical treatments. They might argue that you over-treated your injury or sought care that wasn’t directly related to the accident. This tactic can lead to denied coverage for legitimate medical expenses, further reducing the compensation you receive.
To protect yourself, it’s important to consult with a personal injury attorney who can negotiate on your behalf. The DiMaria Law Firm has extensive experience dealing with insurance companies and understands their tactics. An attorney can help ensure that your claim is valued fairly and that you receive compensation that truly reflects the extent of your injuries and losses.