The insurance company is meant to be your ally, right? All television commercial ads show them being there when you need them and helping you recover from a damaging situation. These depictions are what influence car owners to choose particular insurance companies over others, as they desire reliable representation.
All too often do insured drivers find themselves at odds with their insurance company. The true motives of insurers become evident when you are involved in an auto accident. In Louisiana where all drivers are required to carry liability insurance to pay for accident-related injuries or property damage, one would expect the claims process to be hassle-free. This is not always the case. Here are three tricks the insurance company might use after a car accident.
Befriend You and Delay the Process
Staying true to their initial impression, many insurance adjusters will express grave concern for the wellbeing of you and your loved ones after you report an accident. Oftentimes, they promise to pay for future medicals bills to keep you from seeking legal representation. Meanwhile, they request that you submit a recorded statement and proceed to stretch out the process.
Insurers are aware that auto accidents come with a massive financial strain. Vehicle repair and medical bills may pile as you are forced to miss work due to the severity of your injury. They also know that as time passes and the financial strain increases, that you will be more likely to accept whatever funds they present to you. This is all a part of their plan to get you to settle cheaply.
Request Irrelevant Information
The insurance company must verify that the damages you are pursuing compensation for actually resulted from the accident. To be sure of that, they will gather all of your medical records from every physician you listed, checking for any inconsistencies or prior conditions. They may also request your employment file from present and past employers — relevant or not — if you signed an employment authorization. As they do so, they prolong the process, looking for any reason to deny your benefits.
Question Valid Medical Treatment
Adjusters will even go as far as questioning valid medical treatment. Their purpose for looking at medical treatments you received after an accident is to make sure that they were all necessary. While there are cases when accident victims pursue unnecessary procedures, those that were required for your recovery should never endure such scrutiny. Many insurance companies will even have doctors they’ve hired state that the treatment you received was not needed.
If any of the situations present themselves after your car accident, be sure to reach out to an attorney who will fight for you. E. Orum Young Law Offices house personal injury attorneys with extensive legal knowledge. We can analyze the facts of your case and help you secure fair compensation. Our Trial Guarantee ensures that we will take your case to trial per your request. Contact us today for a free case evaluation.