6 Tactics Insurance Companies Use to Fight Claims
The aftermath of suffering injuries due to another person’s negligence can be overwhelming, especially when facing insurance adjusters who do everything they can to minimize your claim and avoid paying you a fair settlement. Their tactics include delaying investigations, denying liability, disputing medical bills, and monitoring your social media. Because adjusters will likely use everything you say against you, it is essential to have an experienced lawyer to help you fight for the compensation you deserve.
At Younglove Law Group, we understand the challenges you face after suffering personal injuries, so we provide unmatched comprehensive legal services that allow you to focus on your recovery instead of dealing with insurance adjusters. With over $50 million recovered for our clients, you can trust us to protect your rights and negotiate on your behalf. We take a personalized approach, creating a nuanced and effective strategy based on your unique needs that gives you the best chance of a successful outcome.
How Insurance Companies Fight Valid California Personal Injury Claims
California is an at-fault state, which means the driver responsible for the accident must also cover the damages others suffered in the accident. Therefore, their insurance companies will employ several tactics to try and deny liability, lowball you, and fight our valid claim. Our Younglove Law Group lawyers understand these strategies, which include the following:
Delaying the Investigation
Insurance companies might deliberately prolong the investigation process to force you to settle for an unfair settlement. They do this in hopes that you will settle for a lowball offer. According to California law, insurance companies must settle your claim within 85 days of the filing date. If they need more time to investigate, they must provide a valid reason and notify you.
Denying Liability
To avoid paying you for the damages you suffered, insurance companies will try to deny liability and blame you or a third party for the accident. While it is possible for someone partially responsible for an accident to recover damages with California’s pure comparative negligence rule, insurance adjusters might assign you an unfair portion of the blame to save money. We thoroughly investigate your accident to collect evidence and build a strong claim that helps establish liability and prove the policyholder’s negligence.
Low Settlement Offer
Insurance companies rely on the fact that personal injury victims likely do not know their legal rights and want to settle their claims as quickly as possible, so they offer low settlements that do not reflect the full scope of their losses. With the help of our experienced lawyers, you can better understand your rights and your claim’s value to avoid settling for a lowball offer.
Disputing Medical Treatment and Downplaying Injuries
In addition to disputing liability, insurance companies will likely try to downplay your injuries and request more proof of your losses, such as medical treatment and bills. When we build your claim, we use your medical bills, invoices, receipts, pay stubs, and tax returns to accurately calculate your losses and clearly demonstrate the current and future damages you suffered due to the liable party’s negligence.
Asking for a Statement
After an accident, insurance companies often call you to get your side of the story. While this might seem reasonable, they often use what you say against you to devalue your claim. For example, they will ask pointed questions, catch you off guard, or avoid asking certain questions so you do not mention all your injuries and losses. Therefore, consulting with a trusted lawyer before speaking with insurance companies is crucial.
Social Media Monitoring
Insurance adjusters collect information to use against you wherever they can, including social media. They will look at photos, status updates, comments, and location check-ins to reduce your settlement value. For example, if you post a picture of yourself out with your friends and family, they might try to dispute your pain and suffering or reduced quality of life damages. With the guidance of Younglove Law Group, you can better understand how social media can impact your claim.
Reach Out to the Seasoned California Personal Injury Attorneys at Younglove Law Group Today
Facing the tactics of insurance companies alone can be daunting, especially when you are trying to recover from your injuries. At Younglove Law Group, we offer the expertise and dedication needed to protect your rights and secure compensation. With over 20 years of combined experience and a track record of success for our clients, we are committed to providing personalized, comprehensive legal services that cater to your unique situation.
Our seasoned attorneys will handle every aspect of your claim, from investigating the accident to negotiating with insurance adjusters. We understand insurance companies’ strategies and are prepared to counter them effectively. Let us take the legal burden off your shoulders so you can focus on healing. Contact us today at (949) 691-3660 or fill out our contact form.
