Dealing with insurance companies after an accident can be challenging, especially when adjusters use tactics to minimize your claim. At RHD Legal, we understand how overwhelming this process can be, and we’re here to protect your rights. Below are some common strategies insurance adjusters might use to complicate or minimize your settlement payout.
1. Quick Settlement Offers
One of the most common tactics is offering a quick settlement shortly after the accident. The adjuster may tell you that the offer is only available for a limited time, creating a sense of urgency. However, these early offers are often much lower than what you may be entitled to, and once you accept, you forfeit the right to pursue further compensation. In other words, they are limiting their liability and costs. At this time, the insurance company will also require a Final Settlement Release to be signed. We recommend not signing anything before speaking with an attorney as doing so could close out your matter. Feel free to call us today (919) 246-4001.
2. Requesting a Recorded Statement
Insurance adjusters often ask claimants to provide a recorded statement about the accident. While this might seem like a routine request, it’s actually a tactic to gather information that can be used against you later. Adjusters are trained to ask questions in a way that could elicit responses that may harm your case. It’s crucial to consult with an attorney before agreeing to any recorded statements, especially being that North Carolina is a contributory negligence state. All they need to do is prove you are 1% at fault, and you are entitled to nothing. Recorded statements often help them establish the 1% threshold.
3. Signing Broad Medical Releases
Adjusters may ask you to sign a medical release form that grants them access to your entire medical history. While they might frame this as a necessary step for processing your claim, it’s often an attempt to find pre-existing conditions or other factors to reduce or deny your claim. It’s important to understand what you’re signing and to limit the release to only those records directly related to the accident. Always consult with an attorney before signing any documents. Here at RHD Legal, our North Carolina Personal Injury Team handles collection of all your medical bills and records and ensures the Insurance company only receives whats necessary to evaluate your claim.
4. Delaying the Claims Process
Another common strategy is to delay the claims process. Adjusters might take a long time to respond to your inquiries, request unnecessary documentation, or drag their feet in processing your claim. The hope is that you’ll become frustrated and accept a lower settlement or even give up on your claim altogether. Remember, they benefit from your frustration, and this tactic is often used if you do not fall for accepting the “Quick Settlement Offer.”
5. Downplaying Your Injuries
Adjusters might try to downplay the severity of your injuries or suggest that they were pre-existing. They may request extensive medical records in an attempt to find something to reduce your claim. It’s important to keep detailed records of your injuries and treatment, and to work closely with your medical provider to document the impact of the accident on your health.
6. Disputing Liability
In some cases, the adjuster might argue that their policyholder wasn’t entirely at fault or that you were partially to blame for the accident. Since North Carolina follows the doctrine of contributory negligence, if the insurance company can prove you were even 1% at fault, you may be barred from recovering any compensation. This is why having a skilled attorney on your side is crucial to counter these arguments.
7. Offering Low-Ball Valuations
When it comes to property damage, adjusters may offer a low-ball valuation of your vehicle’s worth, repair costs, or diminished value. They might use outdated information or undervalue your car to save money. An experienced attorney can help ensure that you receive fair compensation for your property losses.
8. Suggesting You Don’t Need a Lawyer
Some adjusters might suggest that hiring an attorney will only complicate things or that it’s unnecessary. They may tell you that you can handle the claim on your own and that involving a lawyer will reduce your settlement due to attorney fees. In reality, studies have shown that individuals who hire an attorney often receive significantly higher settlements, even after attorney fees are considered.
Conclusion
Dealing with insurance companies can be intimidating, but you don’t have to face them alone. The team at RHD Legal is here to guide you through the process and ensure that you receive the compensation you deserve. Don’t let insurance adjusters take advantage of you—contact our North Carolina Personal Injury Lawyers today for a free consultation via our online contact form or telephone (919) 246-4001.
