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What Auto Insurance Companies Don’t Want You To Know

What Car Insurance Companies Don’t Want You To Know

While insurance carriers promise protection and support during times of uncertainty, there are crucial aspects of the process that they don’t want you to know. This article unveils the lesser-known secrets and tactics car insurance companies use, shedding light on the intricacies of policy coverage, the claims process, and the strategies employed to minimize payouts. By exposing these practices, we empower you, the consumer, to make informed decisions, assert your rights, and navigate the car insurance landscape with confidence and vigilance.

If you have been involved in a car accident, the law firm of Cantor Grana Buckner Bucci is here to help answer your questions and protect your rights. Contact our dedicated team today for a free consultation.

car insurance adjuster taking photos of the accident

Insurance Companies Are Not Always On Your Side

It’s important to remember that, ultimately, insurance companies have their own interests in mind. Auto insurance companies may try to deny or minimize claims in order to keep costs as low as possible. Knowing what they don’t want you to know can help ensure you get the compensation you deserve for your injuries and damages.

Unlike insurance companies, attorneys are on your side. A car accident attorney can fight for your rights following a car accident.

Quick Settlement Offers May Be Lowballing You

When you file a claim after an accident, the auto insurance company may offer to settle quickly and for what seems like an attractive amount. While it might be tempting to accept their offer and move on, you should not agree blindly. Insurance companies tend to make low settlement offers early on in hopes that claimants won’t realize the true value of their case or will feel too overwhelmed to pursue further compensation.

When evaluating settlement offers, consider factors such as medical expenses, lost wages, and other costs, as well as “non-economic damages,” such as pain, suffering, inconvenience, and mental anguish. An experienced attorney can help you assess the true value of your claim and negotiate on your behalf if necessary.

You Can File a Claim Directly With the At-Fault Driver’s Insurance Company

It’s important to remember that you can file a claim directly with the at-fault driver’s car insurance company, rather than through your own. Doing so may be especially helpful if you don’t want to risk affecting your own policy premiums or rates. If you need help filing a claim, our attorneys are here to help.

You Can Negotiate

It’s important to know that you can negotiate with insurance companies. If you feel an initial offer is too low, don’t be afraid to speak up. You can provide additional evidence or documentation that highlights the true cost of the damages and push for a fairer settlement in return. An insurance company may reject your counteroffer, but it’s ultimately your decision whether to accept or reject any offer they make. 

Insurance companies are in business to make money and have a vested interest in keeping their costs as low as possible. Knowing what they don’t want you to know can help level the playing field and ensure that policyholders get the compensation they deserve after an accident. Ultimately, being well-informed about the requirements and nuances of dealing with insurance companies can help you avoid unexpected surprises and financial strain down the line.

car accident scene

If Your Insurance Company Denies Your Claim, You Can Fight It

If your insurance company denies your claim, don’t lose hope. You have the right to fight it! Start by reviewing the denial letter to understand the reasons behind it. Familiarize yourself with your policy to determine if the denial is valid. Gather evidence supporting your claim and consider consulting with an attorney for guidance. Keep detailed records of all communications throughout the process. Remember, insurance companies have a duty to handle claims fairly, and you can advocate for a fair resolution.

Seeking Legal Advice is Your Right

If the insurance company fails to uphold its end of the bargain, don’t hesitate to seek legal advice. Consulting with an experienced attorney is your right and can be a powerful tool for achieving a fair outcome. An attorney can help you review your policy, evaluate evidence, and negotiate on your behalf if necessary. With the right support, you can ensure that you get the compensation you deserve after an accident.

Insurance Adjusters Might Record Conversations With You

When dealing with an insurance adjuster, it’s important to know they may be recording the conversation without your knowledge. This practice is legal in some states and can be used as evidence against you if a conflict arises. If you suspect the conversation is being recorded, ask them to confirm this. It’s also important to remain calm and professional throughout the process. Don’t let emotions take over, and be sure to document all conversations for your records.

They Use Claim Denial Tactics

Insurance companies often use tactics to deny claims. This could include pointing out minor policy details that they believe weren’t met, shifting the blame for an accident onto you, or denying coverage based on pre-existing damage. If you feel your claim is unjustly denied, seek legal advice and review all evidence carefully before moving forward with a dispute. The more prepared you are, the better your chances of getting a fair outcome.

car accident victim filing insurance claims

Some Use Vague Policy Language

Insurance companies have a duty to handle claims fairly, but some may use vague policy language to their advantage. Be sure to read the fine print in your agreement and seek clarification if needed. Understand the type of coverage provided and how it applies in different situations, so you know what to expect from your insurance company.

A Case Might Be Worth More Than What the Insurance Adjuster Deems It

When an accident occurs, the insurance company is responsible for evaluating and paying out on any claims. However, it’s important to remember that the amount they offer may not be what your case is actually worth. Insurance adjusters often try to minimize the value of a claim in order to save money for their company. Don’t let this discourage you; there are legal resources available to fight for a fair outcome.

You Don’t Have to Talk to the Insurance Claims Adjusters

If you’ve been involved in an accident, most insurance companies will likely contact you for more information. This may be in the form of a phone call or a written statement. It’s important to remember that you don’t have to talk to the insurance claims adjuster if you don’t want to. You have the right to remain silent and seek legal advice before speaking with an adjuster. Remember, the insurance adjuster’s job is to save the company money.

injured victim looking online at insurance policies

The Insurance Company of the Other Driver is Not on Your Side

After a car accident caused by another driver, it’s important to remember that the driver’s insurance company is not working in your best interest. Despite polite interactions and assurances, insurance companies are ultimately businesses aimed at protecting their bottom line. As a result, they may employ various tactics to minimize the amount they have to pay you in compensation for the damages you suffered.

Lowball Settlement Offers:

The other driver’s insurance company may make initial settlement offers that seem tempting, but that are often much lower than what your claim is genuinely worth. They hope you’ll accept the quick payout, leaving you with inadequate funds to cover all your expenses.

Pressuring Quick Settlements:

Insurance adjusters might try to pressure you into accepting a settlement immediately after the accident. However, injuries and damages may not fully manifest until later, and once you accept an offer, you typically cannot seek additional compensation later on.

Shifting Blame and Denying Liability:

The other driver’s insurance company may attempt to shift blame onto you or argue that their client is not liable for the accident. They might use any evidence available to downplay their policyholder’s responsibility.

Accessing Your Medical Records:

The at-fault driver’s insurance agent may request access to your medical records, including records about pre-existing conditions, to argue that your injuries were not solely caused by the accident or to diminish them.  

Offering Quick Settlements for Property Damage:

When it comes to property damage, the insurance company may quickly offer to cover repairs or replacement costs. However, they may overlook other damages , such as the diminished value of your vehicle , which could significantly affect the compensation you receive.

Delaying Tactics:

Insurance companies may employ tactics to delay the claims process intentionally, hoping you’ll become frustrated and accept a lesser settlement.

Remember, you are entitled to fair compensation for the damages you suffered due to another driver’s negligence. A personal injury attorney can help you protect your interests and secure a more just settlement for you.

Personal Injury lawyer helping a victim with insurance claims

“Full Coverage” Does Not Mean Full Compensation

When purchasing car insurance, many individuals are often lured by the promise of “full coverage” policies, believing that they will be completely protected in the event of an accident. However, it’s vital to understand that “full coverage” typically means “minimum coverage.”  Most states, including Virginia, have laws requiring auto insurance policies to provide a minimum amount of coverage.  You can purchase as much coverage as the insurance company will sell you, as long as you have at least the required minimum limits .  When an insurance company tells you that you have “full coverage,” that usually means your policy has the bare minimum coverage required by law, and it does not guarantee full compensation for all damages incurred during a car accident. This misconception can lead to surprise and frustration when policyholders discover that “full coverage” does not mean what they thought it did.  

Understanding Policy Limits: Car insurance policies have specific coverage limits for different types of claims. These limits represent the maximum amount the insurance company will pay out in the event of a claim. For instance, if your policy has a property damage limit of $30,000, but the total cost of repairs after an accident is $35,000, you may be responsible for covering the additional $5,000 out of pocket.

lawyer assisting with an insurance claim

Dealing with Insurance Claims After a Car Accident? We Can Help.

No one wants to experience a car accident, but it’s important to know what steps to take if you find yourself in this situation. Dealing with insurance companies can be a daunting process, and the other driver’s insurer may not have your best interests in mind. Knowing your rights and having an experienced legal team on your side can help protect your interests and secure adequate compensation for your losses.

At Cantor Grana Buckner Bucci, our experienced car accident attorneys can guide you through the claims process and ensure that you receive a fair settlement. We understand how stressful this process can be and will provide you with the legal advice and support necessary to navigate the challenges of filing insurance claims after a car accident. Contact us today to learn more about how we can help.

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