Tactics Insurance Companies Use To Deny, Delay, or Limit Payment on Your Car Accident Claim

Insurance companies want you to think “you are in good hands” or, that they are on “on your side,” but the truth is, insurance companies are not interested in “getting you back where you belong.”  And, even though insurance companies, “like a good neighbor,” may call to check on you and ask how you are doing, they are not doing it because they are good Samaritans looking for better ways to help you.  When an insurance company calls they are usually just trying to get information from you that they can use to deny or reduce your claim.

For example, insurance companies may call and ask questions about your injuries in mock concern and then slowly start to ask you about your medical history.  They will ask about your injuries in such a way as to try and tie them into a preexisting problem and then deny a claim stating the injury was not caused by the accident.  If you were in a serious car accident and unable to work, the insurance company may express false concern about your loss of income, asking if you have been able to return to work yet, or will be able to return in the near future so they can adjust compensation downward.

Car insurance companies are biased and do not play fair.  They are not your legal advocates and do not represent your best interest.  Many insurance claims adjusters are paid bonus incentives based on the number of claims they deny.  Our attorneys are not like insurance companies — we only care about getting you the best possible compensation so can begin to put your life back together after an accident.

Think your insurance company has made you a fair offer?  Think again, then call a lawyer.

Insurance companies are businesses and they exist for one reason only:  to make a profit.  All insurers will look for ways to deny your claim, or pay you the least amount possible.  While it may be legal for insurance companies to earn profits, there are not allowed to use unfair practices or break the law in order to avoid or delay compensating you.

Insurance adjusters evaluate your claim to determine your benefits and what you should be paid.  They often decide you deserve less than what your insurance policy terms allow.  For example, they may not factor in the cost of future medical treatment or surgeries, counseling, lost income, or pain and suffering.

Fast Car Accident Insurance Settlement Offers Can Be A Red Flag

Typically, when an insurance company offers a quick settlement it is because they know if you hire a lawyer they won’t be able to trick you into accepting less than you are entitled to.  They will offer to resolve the matter quickly for a set fee and when you accept their terms you sign away your rights to sue them.

We can help you:

• Get a Better Settlement:  You can be assured of two things after an accident claim is filed:  insurance companies will try to pay out the least amount possible and will offer you less than you may actually be entitled to.  In almost all cases, our attorneys can get you a better settlement for a serious accident claim than you can get on your own without a lawyer.

• Avoid Having to go to Court: Insurance companies lie, or twist information to avoid paying on a claim. They may make an unfair offer because they know that you have medical bills, lost income and other expenses mounting and may feel financial pressure to settle as quickly as possible.  Our lawyers will work hard to get you a fair settlement as quickly as possible.  When our attorney get involved, insurance companies are more likely to settle for more and in a quicker time frame because they know we will be prepared to go to court if they don’t.

•  File a Lawsuit.    Sometimes insurance companies dig their heels in and refuse to settle for a fair amount, or they may delay payment without justification.  Insurance companies sometimes even refuse to pay on claims that they are required to.  Our accident lawyers have extensive trial law experience; we know how to prepare a strong case and will aggressively seek to hold all parties accountable for your injuries or loss and get you the best possible financial compensation in court.

• Insurance Bad Faith Claims: The insurance industry is notorious for spending considerable resources to try and find ways to get out of honoring their promises to insurance policy holders.  This practice is so widespread it even has a name:  Insurance bad faith — and it is against the law.  Yet, every day in courts across the nation, insurance companies are sued for their illegal practices.

Pennsylvania Car Accident Victims Attorneys – We Really Will Be On Your Side

When you want to really know what you may be entitled to, contact our law offices for a free initial consultation.  We have more than twenty years of experience in helping accident victims get the compensation they deserve.  We will attempt to quickly and fairly settle your case when it is in your best interest, but are experienced trial lawyers fully prepared to fight for you in court.

Our personal injury and wrongful death trial lawyers represent accident victims and family members who lost a loved one in a fatal vehicle or pedestrian accident throughout all of  Pennsylvania and New Jersey.  We will get you civil justice and the compensation you deserve.

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