10 Ways That Insurance Companies Try to Avoid Paying You Fair Compensation For Your Injury Claim
Insurance Company staff is unreachable or promises a call back that doesn’t happen. In the meanwhile you fail to seek medical treatment, concerned about the bills, diminishing the value of your claim.
Insurance Company adjuster confuses you by telling you that they are sending you a “Medical Authorization” and you delay treatment waiting for the “Authorization.” The Medical Authorization is not a promise to pay any medical bill. It only authorizes the insurance company to obtain your private medical records.
Insurance Company sends you forms and tells you they cannot process the claim until they get the filled out forms back. You have no obligation to fill out any forms, and it is against your interests to do so. If you do send the forms back, the value of your claim is likely diminished.
Insurance Company adjuster requests a recorded statement even though fault of their insured is clear. Once they have the recorded statement they will later offer less for the injury claim than they would have, no matter what you say in the statement.
Insurance Company adjuster does not promptly accept liability, even though liability is clear. The adjuster avoids your calls, or states he / she cannot reach their insured, even though the insured can be easily reached, or gives another excuse. In the meanwhile you don’t obtain medical attention because you are concerned about who will pay the bills.
Insurance Company adjuster alleges that you are partially at fault for the accident when you are not. For example, the insurance alleges you were going over the speed limit, and assesses comparative negligence. The insurance company then reduces payments based on its faulty analysis of who caused the accident.
Insurance Company adjuster suggests to you that you will receive less money if you hire an attorney. The adjuster knows that it is in your interest to hire an attorney but does not want you to. In by far most cases, you come out ahead if you have an attorney. If the adjuster causes you not to hire an attorney, the insurance company just saved itself good money.
Insurance Company suggests that the vehicle that collided with you wasn’t insured at the time of the accident, because the driver was not on the policy. In almost all cases, it doesn’t matter that the driver wasn’t on the policy, so long as the insured had allowed them to drive the vehicle.
Insurance Company makes a low offer on your injury claim, knowing that your health insurance already paid your bills. In Nevada, It’s not relevant that you had health insurance that paid part or all of your bills. You or your family member paid for that coverage. It’s not a benefit to someone that injured you. The at fault driver, and the driver’s insurance company, are on the hook for the medical expenses you incurred because of the accident, whether those expenses were paid by your health insurance or not.
Insurance Company relies on an error in the traffic report, like that you weren’t listed as a passenger, to delay or deny your claim, when their own insured saw you in the vehicle, or the adjuster knows the traffic report contains an error.
