November 9th, 2020|
The insurance industry is one of the most profitable in the U.S. These companies make steep profits, and that’s partly because they frequently offer policyholders and injured people far less than they deserve.
If you’re like us, you don’t like it when multi-million-dollar corporations get away with lowballing everyday people who work hard to pay their policies. As a law firm that regularly goes head-to-head with insurance companies, we can tell you that there are many strategies you can use to fight back.
Let’s look at some tips to make sure you’re not taken advantage of by insurance companies.
Consider Talking to an Attorney
Every day, we talk to people who are being given a raw deal by insurance companies. When someone is faced with the pain and stress of an accident or injury, the last thing they typically want to do is deal with the deadlines, paperwork, and endless legal complications surrounding injury claims and actually getting fair compensation.
Simply put, you probably have enough going on in your life without having to worry about playing hardball with the insurance company all by yourself. An experienced attorney can take care of the hard part for you.
Whatever you do, don’t accept an insurance company’s first offer without speaking to an experienced attorney.
Don’t Speak to Anyone Else’s Insurance Company
After an accident, you might be contacted by someone else’s insurance company. If so, you DO NOT want to speak to them. A representative of that insurance company will want you to make a statement on the record, and they’ll use that statement to find ways to deny your claim and offer you less than you deserve.
If you’ve been involved in an accident, you should notify your own insurance company. However, stick to only the basic facts, and avoid giving them any opportunity to offer you less than you’ll deserve.
It’s very likely you won’t know how much compensation you’ll need until you get a clear picture of the damages you’ve suffered, which can often take several weeks or months after an accident.
Keep Copies and Records of Your Damages
The accident-related expenses you’ll face will likely continue to add up over the days, weeks, and months following the accident. As the costs pile up, you should keep records of how much your injuries are costing you.
Keep copies of medical invoices, medication receipts, repair bills, or any other accident-related costs you encounter. Don’t forget to factor in how much income you lose due to your injury, as missed time at work or the inability to work can also be included in the damages you list in your injury claim.
Take Your Medical Care Seriously
After an accident, you should always seek medical care if there’s even a chance that you’ve been injured. Injuries often aren’t immediately apparent after an accident, so visiting a doctor helps ensure any injuries don’t worsen before they can be treated.
If you’ve suffered an injury, follow all your doctor’s orders and go to all your scheduled appointments, whether they’re check-ins, tests, or physical therapy sessions. Failure to do so could indicate to insurers your injuries aren’t as serious as you claim, and it could also lead to the worsening of your injuries and add to your overall expenses.
To thoroughly convey how your injury has disrupted your life, consider keeping an injury journal where you document all the challenges you face and the progress you make in recovery. These notes can help you and your attorney articulate exactly what you’ve gone through because of the accident.
Don’t Give Insurance Companies an Easy Win
Remember that everything you do and say publicly will be used by the insurance companies to reduce the compensation you receive. So, it’s vital to be cautious when talking about your accident or injury.
This is especially true on social media. Even innocent posts of you enjoying dinner or spending time with friends can be misconstrued by insurance companies. They might claim that your injury hasn’t reduced your quality of life in any significant way.
Instead of giving insurance companies this ammunition, refrain from using social media entirely until your claim has been resolved.
Don’t Wait Too Long to File a Claim
There are strict time limitations within which you must act in order to protect your rights. These time limits are complex and vary for different types of cases. You should avoid waiting too long before speaking to an attorney.
The injury claim process can be lengthy, and the longer you delay taking legal action, the more you could complicate your case. In the days, weeks, and months following your accident, there will be opportunities to maximize the value of your claim and potential pitfalls that could cost you dearly.
After you’ve suffered a serious injury in an accident, speak to an experienced, reputable attorney to ensure you’re doing everything you can to get a fair offer from the insurance company.
Let Berg Injury Lawyers Help You
If you’ve been injured and you want an attorney to protect you from the insurance company, Berg Injury Lawyers is here to help. We’ve represented thousands of injured people in Northern California, and we know what it takes to get a fair offer for our clients.