Law

Four Things Insurance Company Will Not Tell You

When you file a car accident claim with the at-fault party’s insurance company, you will have multiple emotions going through your mind. Dealing with the insurance company for your car accident claim is one of the most challenging parts of getting compensation. It is evident that insurance company does not work in your interests even if they appear caring or concerned. 

When they speak to you, you may feel they are working to maximize your compensation. In reality, they will try to trap you into various tactics, thinking you do not know anything about the claim. Fortunately, a Grand Junction auto accident lawyer can protect your claim and ensure you get the maximum settlement. 

Things insurance companies will not tell you. 

  • You do not need to provide the insurance company with a recorded statement. 

Following your accident, you will be called shortly by the insurance company. The insurance company mostly tries to talk to you when you are in the most vulnerable state so that you can say things that may hurt your claim. However, you can refuse to provide the company with a recorded statement and ask them to speak to your lawyer. 

  • Your settlement offer is not final and is negotiable. 

When the insurance company offers a settlement to settle your claim, you may think it is the best amount you can get for your injuries and damages. Often, you may also assume that if you got the settlement offer, you could not negotiate it, and it is final. Fortunately, you can negotiate the settlement offer if you feel it is insufficient to cover your injuries and damages. 

  • The company does not want you to go to court. 

The litigation process is expensive and time-consuming. Furthermore, if you have all the evidence to prove the other driver’s liability, the insurance company will have to pay you more for the settlement. Therefore, the companies often settle your claim out of court, but they will avoid telling you this upfront as they do not want you to know their tactics. 

  • You do not have to rush to accept the settlement offer. 

After receiving your settlement offer, the insurance adjusters will try to contact you to rush into accepting the settlement. This is because they know if you speak to your lawyer or do your research, you may be eligible to demand more compensation. And as mentioned above, the insurance company wants to pay you as little compensation as possible. 

Make sure you proceed with your claim with a lawyer so that you can tackle the insurance company’s tactics and get the most out of your claim. 

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