Let’s face it, auto insurance is a for-profit entity. This means that their main business is making money, and not protecting their customers. Many drivers, however, don’t see the true colors of their insurance company until they’re involved in an accident.
Even though you pay your premiums on time each month, you may discover that your auto insurance company isn’t completely on your side following an accident. Hiring an attorney is the best way to ensure that your insurance company doesn’t devalue your claim.
Way Insurance Companies Try to Trick Customers
Auto insurance claims cost insurance companies a lot of money. Your insurance company may find itself paying for vehicle repairs, medical bills, lost wages and other incidentals. The insurance company’s goal, and that of its adjusters, is to pay the least amount possible. Beware if the insurance company asks for the following information:
- Medical History
While it may be obvious that your injuries were a direct result of your auto accident, your insurance company will be looking for evidence that proves otherwise. By giving the insurance company direct access to your full medical history, the adjuster may be able to find a pre-existing condition to reduce the value of your claim.
- Recorded Statement
Your adjuster may ask for a recorded statement before settling your claim. If one is required, it’s always best to have a lawyer present. An experienced motor vehicle accident attorney can help you properly answer the questions, and ensure that your responses don’t unnecessarily end up hurting your case.
- Requires a Statement Immediately Following the Accident
Right after an accident, you’re probably not prepared mentally or physically to give an accurate statement. If your insurance company wants information immediately, don’t cave. Instead, tell them that you’ll speak to them once your attorney is present.
Compensation Your Insurance Company Doesn’t Want to Pay
Instead of immediately accepting the offer that your insurance company gives you, first make sure that it’s fair. In Vermont and New Hampshire, attorney David Cole will look over the facts of your case, along with your medical bills and other potential claims, to make sure that your settlement is fair.
- Medical Bills
Insurance companies often try to save as much money as possible on medical bills. They may even discourage you from seeking treatment. In some cases, an insurance company may claim that your injuries are less serious than they really are.
- Vehicle Repairs
It costs a lot of money to fix a vehicle after an accident. By using their claims adjuster, you may not get enough money to properly repair your automobile. We will make sure all of your vehicle repairs are fully covered.
- Refusing Liability
Many drivers hire an attorney once their claim has been denied by the negligent party’s insurance company. Insurance companies will say that their client is not at fault, even if they clearly are. This is a common tactic, and it’s best to work with an experienced motor vehicle accident lawyer to ensure that you’re adequately compensated.
Please call us today for a free no-obligation claim evaluation.