When you are involved in an accident or even suffer an injury due to someone else’s fault, you have the legal right to demand damages from the guilty party. The compensation including the medical costs, pain and suffering are usually borne by the insurance company.
However, like anyone who has ever dealt with an insurance adjuster is well aware, insurance companies try their level best to avoid paying the claim as far as possible.
The claims adjuster is instructed to deny the claim completely or reduce it to the maximum. The intention is to cheat you, no matter how legitimate your claim or how genuinely you need the compensation.
Here, the insurance company is operating on a few general assumptions –
- You are not aware of your rights.
- Even if you know, you will hesitate to assert your rights.
- You have no idea how much you can demand and how to settle the claim.
- You will believe whatever they tell you.
Indeed, the last approach is what defines every tactic ever adopted by any insurance company. For instance, the insurance adjuster may try to empathize with your suffering to show that he is on your side. He may convince you to give a recorded statement about the accident, sign a medical authorization for your prior medical records or even provide a full release of the claim in exchange for a paltry settlement. Other tactics include disputing the medical treatment, blaming a pre-existing injury, questioning the fault, holding you negligent or just delaying the claim interminably. They are not beyond misrepresenting the law, legal procedures or the insurance coverage available. You may be cajoled that you don’t need a lawyer, or even openly threatened to give up the claim altogether.
What you should do is consult an expert personal injury attorney in Los Angeles, California – like Kahn Roven, LLP (www.kahnroven.com) to advice you on the right approach even as they look after your best interests!