When Insurance Won’t Cooperate After Your Car Accident

Car Accident Lawyer

When Insurance Won’t Cooperate After Your Car Accident

When Insurance Won’t Cooperate After Your Car Accident

Dealing With Persistent Insurance Tactics After A Car Accident

Being involved in a car accident is distressing enough, but what can be even more unsettling is when the other party’s insurance company begins to harass you. You may find yourself overwhelmed with calls, requests for statements, and even attempts to downplay your injuries or shift blame onto you.

Persistent Phone Calls

One common harassment tactic is relentless phone calls. Insurance adjusters may repeatedly contact you, seeking to wear you down or elicit statements that could diminish the value of your claim. It’s crucial to maintain control over communication and consult with an attorney before engaging in lengthy discussions with the insurance company.

Delaying Claims Processing

Some insurance companies use delay tactics to pressure claimants into accepting lower settlements, as a lawyer, like a car accident lawyer, knows. They may drag out the claims process, requesting extensive documentation or further investigation, all while you are dealing with medical bills and other expenses. Patience and persistence are essential in these situations.

Offering Quick Settlements

Conversely, insurance companies may offer quick settlements in an attempt to resolve the case swiftly and without considering the full extent of your injuries and losses. These lowball offers may not cover your long-term medical expenses and other damages. It’s crucial to consult with legal professionals who can assess the true value of your claim.

Downplaying Injuries

Another tactic is downplaying the severity of your injuries. Insurance adjusters may suggest that your injuries are minor or unrelated to the accident, attempting to minimize the compensation owed to you. Medical documentation and expert opinions can help substantiate your claims.

Shifting Blame

Insurance companies may also try to shift blame onto you or argue that you share responsibility for the accident. This tactic can affect the final settlement amount if your state follows a comparative negligence system. Be cautious about providing statements that could be misconstrued to your disadvantage.

How To Deal With Insurance Harassment

  1. Consult an Attorney: Seek legal representation from experienced attorneys. They can protect your rights, negotiate with insurance companies on your behalf, and ensure you receive fair compensation.
  2. Limit Communication: Avoid providing detailed statements or engaging in lengthy discussions with the other party’s insurance company without consulting your attorney first.
  3. Document Everything: Keep detailed records of all communication with the insurance company, including dates, times, and the names of representatives you speak with.
  4. Maintain Medical Records: Preserve all medical records, bills, and receipts related to your injuries and treatment. These documents are crucial for establishing the extent of your damages.
  5. Don’t Accept Hasty Settlements: Be cautious about accepting quick settlement offers without consulting your attorney. Ensure any settlement covers your current and future expenses.

Legal Help You Can Trust

Dealing with insurance harassment after a car accident can be a challenging and stressful experience. However, with the guidance of experienced legal professionals like those at Wandres Law, PC, you can protect your rights and pursue fair compensation. Remember that insurance companies have their interests in mind, and it’s essential to have knowledgeable advocates on your side to ensure your well-being and financial recovery.


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