What Tricks Do Insurance Adjusters Use?

What Tricks Do Insurance Adjusters Use?

If you are injured in a car accident due to another party’s negligence, you are likely entitled to recover compensation. But, this means that you will probably have to speak with the other party’s insurance company. It is important to know that insurance adjusters are not looking out for your best interests, but are trying to save money and protect their companies. So, before speaking with an insurance adjuster, you should know what to expect. Read on to learn more.

Common Hurdles You May Face When Dealing With Insurance Adjusters:

Insurance adjusters are notorious for using tricks to avoid paying you the compensation you deserve. Some of the most important things to look out for include:

  • They lowball you: Insurance adjusters know that individuals recovering from serious accidents are vulnerable. Often, bills are mounting and there is a lot of pressure to pay them. Insurance adjusters may offer you a low offer in the hopes that you will take it in order to pay off your injury-related bills right away. You should not accept the first offer, especially without speaking with an attorney.
  • They ignore you: If you do not accept their first offer, the company may simply ignore you. Do not wait for them to reach out. Most likely, they are attempting to wait out the statute of limitations. In other words, they are hoping that if they ignore you long enough, the statute of limitations will pass and you will no longer be able to sue them. In Pennsylvania, the statute of limitations for a personal injury claim is generally two years.
  • They downplay or deny your injuries: Often, insurance adjusters will claim that you are not as injured as you say you are. In some cases, they may claim that you are not injured at all. This is done to avoid providing compensation for your medical bills. To combat this, it is important to keep meticulous records of doctor’s visits, medical bills, and follow-up treatment.

One of the most important things to remember is that you should never sign anything without an attorney’s reviewal. You should also avoid answering any questions without an attorney, as your words can be twisted and used against you. When it comes to dealing with insurance adjusters after an accident, you will need an experienced attorney on your side.

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