Insurance companies are focused on profit. Their goal is to keep as much money as possible, and that means keeping policyholder payouts to a minimum. To do that, they often train their negotiators to act friendly in order to convince you to give them more information. This can seriously damage your payout, especially in a comparative fault state like North Dakota.
The good news is that you can learn their tactics to be more knowledgeable. When you know the secret techniques insurance adjusters use to lower payouts, you can be prepared to avoid the pitfalls and obtain a more just settlement.
Delaying Your Claim
A serious car crash comes with financial stress. It can feel overwhelming to worry about medical bills, property damages, and lost wages all at once. Insurance adjusters understand your anxieties and use that as leverage to delay your claim.
An insurance adjuster may offer you a low settlement, anticipating that you won’t fight for more because you want to get back to normal as quickly as possible. If you are offered less than you deserve and have mounting bills to pay, you should immediately contact an attorney. An attorney can help you obtain a larger settlement and make arrangements to cover your bills until you receive your payout.
An insurance adjuster may ask if you’d agree to a recorded statement to tell your side of the story. This is a huge mistake. Anything you say in a recorded statement can damage your car accident claim. Even seemingly innocent answers could significantly reduce your settlement.
No matter what the insurance adjuster says, you have no obligation to agree to a recorded statement. It’s always better to let your attorney handle the negotiating, especially because the insurance company will have their own attorneys scrutinizing anything you say. Remember, they aren’t on your team!
Using Your Medical History
Insurance adjusters look for any reason to deny or minimize a claim. They’ll even look into your medical history. If you have a pre-existing condition or a medical history, an insurance adjuster may claim that your injuries aren’t as bad as you claim or that your injuries are from a previous incident.
To avoid these accusations, make sure you go to the doctor immediately after a car crash. A doctor can verify your injuries and create a record demonstrating that you were hurt as a direct result of the accident.
If you or someone you love suffered serious injuries in a car crash and need help negotiating with the insurance company, we can help. If you’d like an experienced North Dakota auto injury attorney from Maring Williams Law Office to evaluate your case, please call us at (701) 402-6644 or send us an email.