Auto Accident Insurance Traps

Insurance companies will continue to look for ways to avoid paying your coverage. Although it may appear that your insurance company is a small group of friends and associates, adjusters are trained negotiators who are trying to save as much money as they can. These are some of the tricks that insurance companies use in order to lower the settlement they pay.

A Call For Concern

The insurance adjuster representing another person may call you shortly after an accident. You might be contacted by the insurance company of the at-fault driver to request a statement. Even if you are advised by the insurance adjuster that your statement may be required, it is unlikely that you will have to give a recorded statement.

Recorded statements can reduce your compensation. You could admit fault, or find ways to place less emphasis on the severity of your injuries.

Other Trap Questions

You may also find trap questions in recorded statements you make with your insurance adjuster. To reduce the value of your claim, your insurance adjuster might ask the following questions:

What is your current feeling? (An answer with “good or well” could make your injuries more severe.

Are you wearing a seatbelt? If you didn’t have a seatbelt, your claim could be denied.

Did you take an ambulance to the scene of the accident? If you did not receive amulets at the accident site, your injuries might be less severe.

Did your airbag deploy? (If your airbag did not deploy during an accident, your insurance adjuster might say that the manufacturer of the vehicle is responsible for your injuries.

What was the weather like during the accident? Conditions during an accident can often determine negligence and liability.

Why Representation Is Important

It is best to have some form of representation when giving any type or recorded statement. An insurance attorney can help you ensure that your rights are protected and that you don’t make misleading or false statements that could cause your claim to be denied. If you need representation for your claim, contact us today.

This article was written by Alla Tenina. Alla is one of the best bankruptcy attorneys in San Fernando Valley, and the founder of Tenina law. She has experience in bankruptcies, real estate planning, and complex tax matters. The information provided on this website does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this site are for general informational purposes only. Information on this website may not constitute the most up-to-date legal or other information. This website contains links to other third-party websites. Such links are only for the convenience of the reader, user or browser; the ABA and its members do not recommend or endorse the contents of the third-party sites.