Businesses often improve profits by eliminating wasteful spending. When auto insurers cut costs, it usually means they will try to underpay or deny your claim. If you are aware of a few tricks insurance companies might use to save money at your expense, it may be easier for you to challenge their decisions.
1. Hiding Behind Insufficient Coverage
If the at-fault driver doesn’t have sufficient coverage to pay all your expenses, the adjuster may unfairly attempt to deny your entire claim. Sometimes these situations get complicated, especially if there are multiple victims with injuries in a range of severity. Often, these claim payments are decided only after lawyers Kent WA argue it out in court.
2. Questioning Cause of Injuries
Any time you are involved in a car collision, it might be in your best interest to seek medical attention as soon as possible, even if you feel relatively fine. Concussions and soft tissue damage frequently don’t show symptoms until days later, and insurers love to use this fact to deny your claim as unrelated to or pre-existing the accident.
3. Manipulating Fault Mandates
Each state has its own laws that dictate how each driver’s contributory or comparative fault influences insurance claims. In some areas, even the slightest percentage of negligence in a collision could completely invalidate your claim. Insurers in other regions might use complex formulas or loopholes to work those regulations to their benefit.
4. Battling Over Liability Percentage
Assigning fault in crashes that involve more than two vehicles could be a nightmarish exercise. However, this is the insurance company’s job, and when acting in good faith, the adjuster should be willing to take as much time as needed to sort out the details. Unfortunately, saving time generally means saving money, and the adjuster’s haste may lead to inaccurate assessments.
It can be infuriating when an insurance company ties its bottom line to your financial well-being. Insurers often count on policyholders to accept their claim decisions without challenge, and you might have to be prepared to stand up and fight for the compensation you deserve.