Sustaining injuries in a car accident is considered one of the most painful and traumatic experiences anyone can ever face. Aside from the physical experience, the mounting hospital and medical bills you’ll have to pay can cause financial stress that can, in turn, affect the quality of your life.
However, the medical and hospital bills are not the only problems you will have to deal with after surviving a car accident. You must also deal with insurance companies and try your best to get the compensation you deserve. If you sustain injuries in a car accident, you should get help to prove negligence in a car accident.
Every day, insurance adjusters deal with car accident victims. They are professionals at handling claims. You’ll hear stories about how an insurance adjuster stepped up and made a quick compensation payment, then disappeared into thin air when the car accident victim realized that the insurance adjuster underpaid them.
One piece of advice that should stick with you is not to trust an insurance adjuster or company. They’ve got a whole lot of lies up their sleeves that they will tell car accident victims. Read on to learn these lies.
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5 Lies Insurance Adjusters Tell Car Accident Victims
When an insurance adjuster lies to you, they feel they are just doing their job. Carefully read the lies below so you can avoid their traps.
“We’ll Provide Massive Payouts”
Insurance companies are just businesses, so do not expect that they will disregard any opportunity to make more money for themselves. Regardless of your policy, do not expect them to offer you a massive payout. This is because insurance companies only have one end goal: to give little compensation to victims.
The same also applies when working with the insurance company of the individual who caused the car accident. Do not expect a large payout that will be sufficient to cover your losses, damages, and injuries.
An insurance adjuster may ask you to give them your SSN (Social Security number). They may lie to you, saying the number is needed to process your claim.
You may ask, “What will the insurance adjuster do with my SSN?” Well, they can use it to run a complete background check, including your financial, criminal, and medical history. They will make sure they find something to use against you, even if it’s a bad credit score, when they want to determine the settlement amount.
“You Don’t Need To Hire A Lawyer”
An insurance adjuster will discourage you from hiring an attorney. This is because they know that lawyers understand how they operate. A good lawyer can argue and negotiate with them so you can get a fair settlement.
Some will go as far as promising a settlement offer immediately, but only if you do not hire an attorney. Some might even try to dissuade you by telling you that getting legal assistance is very expensive.
“We Can’t Go Higher Than This”
When you struggle with high hospital and medical bills after a car accident, accepting a quick settlement from insurance adjusters is not smart. Insurance adjusters will use your present situation to pressure you into accepting a low amount.
They may go as far as to say you won’t receive any settlement if you don’t accept their offer immediately. Some may say they can only offer you a specific amount.
“Your Injuries Are Not That Serious”
Insurance adjusters will say and do anything to minimize and downplay your injuries. They may tell you it’s “just” a sprain and will heal quickly. Do not listen to them; they are not medical professionals.
Do not let an insurance adjuster dismiss how the car accident has affected your life or how much pain you are in. Your doctor’s assessment of the extent of injuries should guide your settlement discussions and not the unqualified opinion of the insurance adjuster.
