Tips For Dealing With Insurance Companies

When you are filing a personal injury case against the person-at-fault, it is most likely that the insurance company will get involved. Irrespective of whether you engage an injury lawyer in Los Angeles, California to represent your legal interests, an insurance adjuster will be assigned to handle your claim and he or she will contact you sooner or later.

Now these are crafty individuals who will try every trick in the book to avoid paying a single penny or, at best, get away with paying the least amount possible. They just want to save the insurance company’s dollars and are not bothered even if you have a genuine case or deserve to get just compensation.

Following are some helpful pointers that you should keep in mind during the subsequent proceedings:

• The insurance adjuster is not obligated to treat you fairly. In fact, they use devious ploys like asking for a recorded statement or a signed medical authorization, denying liability, misrepresenting the insurance coverage available and so on. The chief objective is to deny or devalue the claim as much as possible. They may resort to delaying tactics or even take you by surprise by offering a quick (but ludicrously low) settlement.

• The company will try its best to prove that you are lying or committing fraud. They will question the case of fault and try to pin the blame on you. They may even cast doubt on the true extent of your injuries or claim that it was a pre-existing condition.

• They are not beyond insisting that you hire the personal injury lawyer that they have assigned to your case or even advice you that you don’t need legal representation at all.

• The insurance adjuster may even insist that you have to take your car to a specific repair service only or that your claim is worth a particular value (which will mostly be insanely low).

• You may even find yourself intimidated and threatened in turn. The insurance adjuster may warn you that your driving license will be confiscated or that you will not get anything at all if you refuse to accept the initial settlement offer.

• It pays to keep in mind that the insurance company can use anything that you say or do. Be especially cautious in all your dealings and do not fall into the trap of trusting the insurance adjuster when he behaves as if he is on your side.

In fact, you will be better off consulting a proficient personal injury lawyer in Los Angeles, California who is familiar with the insurance companies’ ploys and tactics. They can evaluate the true value of your claim and warn you to look out for such underhand tricks. Therefore, this will greatly improve your odds of getting a fair compensation.