The first moments after a crash create confusing, painful, and emotionally overwhelming conditions which insurance companies use to protect their financial interests through expedited operations. Many people believe insurance companies exist to assist them in recovery from accidents, but these companies train their workers to minimize claim payments to the lowest amount possible. The reason experienced car accident lawyers tell their clients to avoid trusting insurance adjusters comes from the fact that adjusters use deceptive friendly appearances to gain their trust. The insurance company does not intend to restore your full health through their work; their goal is to settle your claim at the smallest possible expense to themselves.
The insurance companies use their most common method which involves reaching out to you right after your vehicle accident. They understand that you are experiencing emotional distress because you need to recover from the traumatic event. An adjuster may contact you between two to twenty-four hours after your accident while he shows sympathy and offers assistance to resolve your case. The process aims to obtain your initial statement which they will use to prove their case against you before you know all about your medical condition. Most accident victims experience their most intense discomfort after several days because their bodies must first recover from their initial shock. The insurance company will use your statements from the first contact to prove your injuries were less severe which will lead to claim denial or reduction.
The recorded statement serves as another strong method for achieving results. Adjusters frequently claim they require your statement for claim processing purposes, yet this need typically proves false. The recordings are created to ensnare you. The interviewers create their questions in a manner that forces you to make an educated guess which results in you accepting some responsibility. The statement “I think I was going about 40” can be used to prove that you were driving above the speed limit. The recorded material transforms into evidence which they will use against you throughout both negotiations and court proceedings.
Insurers use a second method through which they postpone your insurance claim. Insurers move quickly at the start of the claim process to obtain your statements and achieve quick settlements but then proceed to slow down their operations after you provide your medical bills and documentation. Unanswered calls create problems for the company. The company takes several weeks to respond to emails. The company states that it needs to “review” your file while it actually waits for additional details. The company uses this delay as a planned operational strategy. The company wants you to experience financial hardship so that you will accept less than your full worth. The increasing medical costs and extended work absences force many individuals into a state of desperation which leads them to accept low financial offers for their survival needs.
Insurance companies benefit from their capability to choose which documents they will use as evidence. The company will assert that specific medical procedures lacked necessity and did not connect to the incident. The insurance company will contend that your visits to physical therapy and chiropractic care and specialist treatment were more than necessary. The insurance company will deny payment for treatments that your doctor prescribed. The insurance company intends to reduce your claim value by eliminating all items which they believe can be contested.
A particular method of torture uses pain treatment methods. Adjusters frequently evaluate injuries as if they exist only on documents. They claim your suffering must be minimal because you have no broken bone or visible wound. The statement fails to recognize how soft tissue injuries and nerve damage and chronic pain conditions create serious difficulties for people. Insurance companies usually reject emotional trauma and driving anxiety and sleep deprivation as genuine problems while they provide minimal financial support.
Insurance companies track your movements throughout your daily life. They check social media, look for photos, and try to find anything they can use to argue that you are not as injured as you claim. A picture of you smiling at a family gathering can be twisted into “proof” that you are not suffering, even if you were in pain the entire time. Many victims do not realize that their online presence can be used against them.
Conclusion
The tactics used in this operation exist as a permanent element of their strategic plan. The system functions as a complete protection system for corporate financial interests which operates at the cost of injured individuals. The accident victims who attempt to manage their claims by themselves end up with much lower compensation than they should receive. The legal system operates as a tool for establishing equal rights but only functions when people choose to utilize it.
If you or someone you love has been hurt in a crash, do not let an insurance company decide what your pain is worth. Your financial situation will determine your ability to recover from injuries when you obtain legal help at the beginning of your case. The reasons which drive clients to choose Kraft & Associates, Attorneys at Law, P.C. as their legal representation creates a strong foundation for their practice.