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Be on your guard with insurance companies

If you’ve been injured in an accident, then you probably want to be paid as quickly as possible for the harm that’s been caused to you.

This is understandable given the financial challenges that are oftentimes seen in the aftermath of a wreck. But seeking compensation usually means dealing with an insurance company.

These companies have the money needed to make you whole again, the reality is that the insurance company isn’t looking out for you. That’s why as you navigate your legal claim, you’ll want to keep in mind the following so that you can protect your interests throughout the process:

  • The insurance company is financially motivated: Insurance companies are businesses. As such, they’re focused on maximizing their profits and, in some instances, reporting high earnings to shareholders. How do they do this? Sell as many insurance policies as possible while paying out as little as possible in claims. Therefore, when you’re dealing with an insurance company that says it cares about you, keep in mind that it only cares about its bottom line.
  • The insurance company will use your words against you: Insurance adjusters may seem friendly enough, but you should keep in mind that they’re looking for a way to either deny your claim or pay you as little as possible. Therefore, you’ll want to be careful with what you say to the insurance company, as they will oftentimes use your words against you as justification for denying your claim or paying you less than you deserve.
  • The insurance company has strong legal counsel: If you take legal action, then at some point your case is probably going to end up in settlement negotiations. Here, attorneys for the insurance company, who are well-versed in handling these sorts of cases, will implement slick tactics to try to get you to bite on an offer that isn’t right for you. They may make statements that have you doubting the strengths of your case, or they may indicate that they simply can’t offer more than an identified amount. But don’t take them at their word. Be prepared to fight for the outcome that’s right for you.
  • The insurance company might not be completely honest with you: You might think that an insurance company and its representatives are truthful, but this isn’t always the case. An insurance company may intentionally withhold information from you in hopes of coaxing you into some sort of resolution that isn’t in your best interests. Make sure you have all of the information before making a decision that impacts your claim.
  • Insurance companies act in bad faith: Even though there are laws on the books that prohibit insurance companies from improperly delaying or denying claims, these companies try to take advantage of injured individuals all the time. With that in mind, you should enter your talks with the insurance company skeptically.

Are you ready to find accountability and recover compensation?

If so, then you need to be prepared to pursue a personal injury lawsuit. There are a lot of moving parts to one of these claims, though, which is why you need to make sure that you know the law and how to navigate it to your advantage.