The insurance company is not your friend. They are not looking out for your best interest. The insurance adjuster’s job is to protect their company and make the smallest payouts possible. Insurance companies are powerful corporate organizations that use pressure and well-honed techniques to convince injured accident victims to settle their claims for far less than they are worth. Don’t let them take advantage of you.
TIP: Understand they are not on your side.
The insurance adjustor will act like she is on your side, but don’t be fooled. She may act concerned, she may have a friendly voice, she may give you the impression that she’s trying to help. Her goal is to get you to believe that she’s willing to make you a reasonable settlement offer. Insurance companies care about their bottom line and will use manipulative tactics to minimize settlements.
TIP: Do not talk with them right after an accident, while in the hospital, while on medication, or while you’re generally feeling overwhelmed.
Talk with insurance adjustors only when you are of clear, sound mind. This is the best way to be able to detect manipulation practices and to avoid being bullied into accepting a settlement.
Further, consider having a family member or loved on talk to the insurance company for you. This is a good idea because the information your family member provides is second hand. This helps avoid a situation where the insurance company twists your own words against you.
In fact, don’t talk with them at all – hire an attorney to advocate on your behalf. We offer free consultations and we take no money up front, we get paid from the case settlement or judgment award.
TIP: Do not believe everything they say.
Insurance adjustors are known to misinform. It is not uncommon for an insurance company to deny a claim as a strategy, hoping you will give up. They may explicitly tell you your case is worthless. If you hear these words find yourself a personal injury attorney immediately.
TIP: Do not settle too quickly.
First, do not take the first settlement offer they make. The first offer is merely an opening offer to start negotiations. Second, it is imperative that you understand the full extent of your injuries before you agree to a settlement. Once you accept a settlement offer, that is the end of it. If your injuries later turn out to be long-lasting or chronic, you will not have the right to further recovery to fully compensate you.
Read about some of the common methods insurance companies use to try to minimize settlements in our article How Insurance Companies Try to Short-Change Accident Victims.
Do not be taken advantage of by an insurance company. If you’ve suffered serious injury and have long-term impact from an accident, you need to make sure that you’re compensated fairly. Don’t let the insurance company determine the value of your claim. Hire an attorney who knows the serious effects that this accident will have on your life, health, and your ability to work in the future.
Fill out this web form for a free, no strings attached consultation. You will speak directly with an attorney at Miller Lathrop. During the free consultation our goal is to understand your situation and educate you on your legal rights.
Follow Miller Lathrop on Facebook!
Miller Lathrop serves clients throughout Eastern Nebraska and parts of Western Iowa including Douglas County, Sarpy County, Lancaster County, and Pottawattamie County, as well as the cities of Omaha, Lincoln, Bellevue, Papillion, Fremont, Blair, Elkhorn, and Council Bluffs.