Insurance adjusters try to save their company money by keeping your offer as low as possible; your lawyer, on the other hand, is going to try to get you as much compensation as possible for your case.
One tactic they take is to settle quickly. This is done to:
- be a distraction and blindside the claimant – it’s a stressful time and you may not be in the best mindset to make any important decision
- get you to accept the offer before you have thoroughly figured out what might be wrong, and without a thorough doctor’s analysis
- get you to agree to an offer without knowing what your claim is truly worth
Or, an insurance company may slow the processing of your documents to the point where you’ll accept anything to be able to pay your medical bills, fix your car damages, and take care of outstanding expenses. Or, you may just drop the claim – which works to the insurance company’s benefit.
The person at fault’s insurance company, in a car accident, is called a bodily insurance adjuster, and that person can reach out quickly – within even a few hours after an accident. The adjuster will try to get details from you, and an on-the-record statement, which you shouldn’t do without talking to an attorney.
Or the insurance may send a document for an authorization of a medical release, so the insurance adjuster can see every doctor you ever visited and get reports from them. A lawyer can protect you by making sure the insurance company can only get some of your medical records.
Additionally, insurance companies may give you an estimate that doesn’t truly indicate what the policy covers in the case of an accident. Contact us to be connected, at no cost to you, to the right lawyer for your case.