4 Games Insurance Adjusters Play
Have you been in an accident and need guidance on the games that insurance adjusters play? Insurance adjusters employ tactics such as minimizing payouts or delaying claim resolutions in hopes that you’ll give up or accept less. However, with the legal guidance of Richmond personal injury lawyer, you can avoid games and leverage a settlement closer to what you deserve.
Our personal injury law firm is known as the “”Heavy Hitters®” by insurance companies throughout Virginia due to our attorneys ability to aggressively obtain fair settlements. Not only do we know all the games that insurers play, we keep our clients informed throughout the duration of their claim so that they can navigate the legal process easier.
Explore the commonly asked questions on this topic to gain insight into how insurance adjusters may play and what you can do as a victim to fiercely protect your rights.
How Can I Protect Myself From the Games Played by Insurers?
Before identifying the types of tricks that insurance agencies play to get and keep the upper hand, knowing the steps to take to protect yourself is equally important. If you have been in an accident of any kind that resulted in an injury, consider taking the following steps:
1. Document everything: Keep detailed records of all communication with the insurance company, including dates, times, and the content of conversations. Also, maintain copies of all relevant documents, such as medical records, repair estimates, and receipts.
2. Seek legal representation: Consulting with an experienced attorney can provide valuable guidance and protection throughout the claims process. Retain an attorney that handles the type of accident you’ve been in, such as a:
- Richmond car accident lawyer
- Richmond motorcycle accident lawyer
- Richmond construction accident
- Richmond slip fall accident lawyer
- Richmond boating accident lawyer
- Richmond bicycle accident lawyer
- Richmond medical malpractice lawyer
3. Know your policy: Familiarize yourself with the terms and coverage of your insurance policy. This knowledge will empower you to challenge any misrepresentations or denials made by the adjuster.
4. Don’t rush settlements: Avoid accepting the first settlement offer without carefully evaluating its adequacy. Consult with a reputable attorney to assess the true value of your claim and negotiate for a fair settlement.
For a Free Legal Consultation
Call The Personal Injury Lawyer Hotline.
804-250-5050
What Are Some Common Games Insurance Adjusters Play?
Immediately after an accident, you will be contacted by an insurance adjuster. Primarily, their questions may seem harmless or even thoughtful. In reality, they are trained to speak in a way that disarms victims so that information can be freely shared that may be used against you later. Then, they may try the following:
Lowballing
Adjusters may offer initial settlement offers that are significantly lower than the actual value of the claim. This tactic aims to pressure claimants into accepting less than they deserve.
Delaying Tactics
Insurance adjusters may intentionally delay the claims process by requesting excessive documentation, conducting multiple investigations, or postponing communication. This strategy can frustrate claimants and potentially force them to settle for less.
Denial of Liability
Adjusters may wrongfully deny liability for a claim, even when evidence suggests otherwise. This tactic shifts the burden of proof onto the claimant, making it more challenging to obtain a fair settlement.
Misrepresentation of Policy Coverage
Adjusters may misinterpret or misrepresent policy coverage to minimize the amount they have to pay. It is essential for claimants to thoroughly review their policy and seek legal advice if they suspect misrepresentation.
Let the Heavy Hitters® Take On Your Case 804-250-5050
Can I Negotiate With the Insurance Adjuster?
Yes, you have the right to negotiate with the insurance adjuster. However, if you don’t approach negotiations strategically, be prepared for any tactics they may have to reduce or deny your claim. Consider taking the following action:
- Gather Evidence: Collect all relevant evidence to support your claim, such as medical records, repair estimates, and witness statements. This evidence strengthens your position during negotiations.
- Present a strong case: Clearly articulate the facts of your claim, including the extent of your injuries or damages, and how they have impacted your life. Provide supporting documentation to back up your assertions.
- Be persistent: Insurance adjusters may initially resist higher settlement offers. Stay firm in your position and be prepared to counter their arguments with evidence and legal reasoning.
Central Virginia's Top Rated Personal
Injury Lawyers 804-250-5050
What Should I Do if the Insurance Adjuster Denies My Claim?
If your claim has been denied by an insurance adjuster, there are steps you can take. Consider the following actions:
- Review the denial letter: Carefully review the denial letter to understand the reasons provided by the adjuster. Look for any errors or inconsistencies that can be challenged.
- Gather additional evidence: If you believe the denial is unjustified, gather additional evidence to support your claim. This may include specialist opinions, additional medical documentation, or witness statements.
- File an appeal: Follow the appeal process outlined by your insurance company. Provide a detailed response addressing the reasons for denial and submit any additional evidence you have gathered.
- Consult with an attorney: If your appeal is unsuccessful or you encounter difficulties during the process, consult The Pendleton Law Team immediately. We are successful at negotiating insurance claims and consistently receive positive client feedback regarding our legal services. Contact our Richmond accident lawyers to avoid insurance gimmicks.
The Pendleton Law Team Is Here For You 804-250-5050
