Car accidents in San Diego often occur primarily due to weather conditions. The roadways become dangerous for driving. When filing accident claims for injuries in accidents, you will be surprised to find that the insurance company of the negligent drivers is dragging its feet about settling the compensation claim. It is not new that insurance companies create a lot of havoc when it comes to settling the compensation. Even in solid cases, they continuously manipulate using their cheap tactics to avoid paying the claim amount.
A car accident attorney helps your case by keeping track of new evidence, communicating with insurance companies that want to pay out as little as possible, obtaining and recording solid medical and financial proof to support your losses, and negotiating for just compensation that includes damages like medical bills, lost income, and psychological suffering. Because lawyers are ready to sue and go to trial, insurance adjusters are under pressure to make fair settlement offers, which will eventually guarantee that you get the most money for your losses.
Hiring an experienced attorney
If you are facing such a situation and have not yet received your compensation amount, you should seek help of an experience car accident lawyer San Diego who can safeguard your rights and ensure you receive the compensation you deserve for covering up your injuries. Also, if you have recently been in an accident, it is advisable to avoid claiming compensation alone. A single wrong step can lead to nothing. An experienced attorney can guide you regarding what to say and how to proceed.
If you are in a car accident and expect the insurance company of the negligent driver to treat you fairly with compensation for your damages and injuries, you are completely wrong. The reality is quite different. You need to understand the warning signs. Your claim amount is deliberately being delayed to harass you.
Reasons for insurance companies drag out for settling accident claims
Cheap tactics are employed by insurance companies to prolong the settlement process in cases of accident claim. Understanding their strategies will help you to avoid the pitfalls and make mistakes that can weaken your case. Let’s explore the common reasons for delaying your claim settlement.
- Insurance companies manipulate you.
- Insurance companies are business entities.
- An insurance company’s tries to expire the statute of limitations.
Warning signs: your car accident claim is getting delayed
If you have suffered multiple injuries in a car accident recently and are trying to settle your claim with the insurance company of the at-fault party, the process can be quite confusing. You may receive a call by the insurance adjuster within just a few days of facing the collision, even before you get discharged from the hospital.
Lack of communication from the insurance company, unanswered information requests, irrational demands for documentation, and extended delays without justification are all indicators that a vehicle accident claim is being delayed. An abrupt change in the tone of the claim or the handling adjuster may also be an indication of trouble, sometimes indicating an effort to downplay or reject the claim completely.
They may show sympathy and speak as if they are your true friends, but you should remember that they are business entities and only work for their own benefits. They will intentionally delay your claim settlement using numerous tactics that you may not even realise. Excuses may even be quite reasonable initially. Let’s check out some of the common warning signs:
- Extreme document requests.
- Unreasonable offers for settlement.
- Communication delay.
- Delay the initial investigation.
Lack of Communication: If the insurance adjuster does not return your calls or emails, or if you do not hear from them for a long time.
Unjustified Requests:
In an attempt to slow down the process or overwhelm you, the adjuster could request a lot of paperwork or information.
Changing Strategies:
An abrupt shift in an adjuster’s demeanor from helpful to condescending or combative may indicate an attempt by the insurance to delay or reject the claim.
Inexplicable Delays:
The insurance company’s stated explanations for the delay are either ambiguous or appear to be dishonest.
Unreliable Information:
The insurance company’s information is inconsistent or subject to change over time.
- Document Everything: Maintain thorough records of all correspondence, including times, dates, and the subject matter of emails or chats.
- Compile Your Documentation: Verify that you have all the proof you need to support your claim, including witness accounts, police reports, and medical records.
- Take Legal Advice Into Account:
Speaking with a personal injury lawyer can help safeguard your rights and guarantee that your claim is handled appropriately if you observe these symptoms.
- Quickly Follow Up:
Asking the insurance adjuster or their supervisor how the claim is progressing and asking for a schedule for resolution should not be a source of fear.
Common insurance company tactics for reducing or denying your claim
Needing a lot of documentation. Insurance firms also employ collecting unneeded information or requiring a lot of paperwork as a means of rejecting claims. In an attempt to postpone or reject the claim, insurance companies may request copious amounts of data, including medical records, invoices, and receipts.
Below are some of the common tactics that you need to be aware of:
- Downplaying injuries.
- Disputing liabilities.
- Requesting recorded statements.
- Asking you to sign medical releases.
- Asking you to avoid hiring lawyers.
- Misrepresenting languages for insurance policies.
On the other hand, insurance firms exist to generate revenue. To reduce their payout and increase their profits, they will make every effort to reject or undervalue a claim. Occasionally, they even employ dubious methods to persuade an injured party to give up or accept a lowball settlement offer out of fear and frustration.
Conclusion
If you encounter these red flags from the insurance company, be sure to verify that they are attempting to delay your compensation. Do not be afraid or wait for them; simply call a professional car accident lawyer San Diego to help you move forward and understand what is happening. Just stay assured, they can help you get the compensation you deserve.
