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After a car crash or an unfortunate incident, you are most likely to be working with an insurance adjuster on the road to receive compensation and benefits. But unfortunately, the insurance company does not have your best interests in mind. This can make the process of filing a claim quite overwhelming.  

But, the good news is that – you will not have to go to the negotiations unprepared. The insurance defense attorney has shared hidden industry secrets that will help you navigate this complicated process –

The insurance adjuster is not there to help the victim –

Insurance companies are established for profits. They make money by denying the claims. The main job of the claim adjuster is to close the claim as soon as possible and pay very little money. Keeping this in mind, you can easily recognize and prepare for the tactics that the insurance company will be using to downplay your case.

Note – the insurance adjuster will always have the company’s interests in mind. Not yours.  

You will not have to give the insurance adjuster a statement before contacting a lawyer –

After a car accident, an insurance adjuster will be collecting a statement with your version of the event that occurred. But, there is one thing that the insurance adjuster doesn’t want you to know. That is that most lawyers recommend that you withhold from providing a statement before seeking legal counsel. This is because the insurance company is likely to use the word against you. An insurance adjuster knows that a layman will have trouble navigating the legal side surrounding the case. They will try and use it to their advantage.

Any statement given by you to the adjuster is more likely to hurt your case –

The major purpose of recorded statements is to provide the insurance company with evidence that can be used against you. Insurance adjusters are trained to look out for any loophole that can potentially support the claim denial. This can include your medications, doctor visits, and how quickly you sought medical help following your injury or accident. They are skilled at asking questions in a way that will skew the answers in the insurance company’s favor.

It is wise to contact attorneys in Knoxville TN. and seek help from insurance defense lawyers. You must be careful because the outcome of this interview will affect whether you will be getting the compensation or not.  

The insurance company will be on a hunt for ways to use your medical history and pre-existing issues against you –

When the insurance adjuster takes your statement, they keep looking for ways to deny your claim. Hence, if you already have a pre-existing condition, the insurance company can use it against you as a reason to deny your claim.

Even if your medical history is all clear and has no bearing on the current situation, the insurance company will try and bear on the pre-existing condition.

The insurance adjuster will underestimate your pain and suffering damages which may be significant –

One of the factors to consider after an accident is pain and suffering. These pain and suffering are different from your hospital bills. What we are referring to is anxiety, depression, panic attacks, or PTSD.

The price of these conditions is hard to pin down and it largely depends on the circumstances. The insurance adjuster is likely to take advantage of this subjectivity to underestimate your compensation. That is why the first offer that the insurance company will present you will often be lesser than you deserve.

The insurance adjuster will try to prevent you from contacting a lawyer because they know insurance defense lawyer will help you claim –

It can sometimes be difficult to calculate how much your case is worth. It is also difficult to determine when to turn down or accept an offer from the insurance company. Unfortunately, insurance companies are not legally required to disclose all the benefits that you qualify for. They will rely on the fact that you will not know how to negotiate for a fair settlement. The job of an insurance defense attorney is to thoroughly understand the worth of your case and advocate the compensation you deserve. Working with an experienced attorney makes all the difference when it comes to receiving a fair settlement.

Contacting an insurance defense attorney will increase your chances of getting the compensation you deserve –

While negotiating the claim, the insurance adjuster may try to prevent you from contacting an insurance defense lawyer. They may try and talk you out to wait to seek legal counsel until you are presented with an offer.

What they don’t want you to know is that it costs more for the insurance company to handle your settlement if an insurance defense lawyer represents you. Consulting a lawyer will ensure that there is no threat to your chances of receiving the compensation. Unlike the insurance company, your lawyer will be your advocate and work in your favor. They will never be your adversary. Thus, it is wise to hire an insurance attorney.

The adjuster’s first offer will not necessarily be the best offer –

The main job of the insurance adjuster is to get the lowest possible settlement. They will not pay attention to how well your expenses will be covered. That means if the insurance company is offering you some compensation, they will pressurize you to accept it. Sometimes, you can simply increase the amount of compensation you receive by just waiting out the insurance company and not accepting the first offer they present.

A lawyer can evaluate your case efficiently –

Dealing with the aftermath of an accident is very difficult. You already have a lot of things to go through and claiming your compensation can be quite an overwhelming addition. Therefore, having a consultation with your lawyer can bring your case into focus. It will shed light on the best possible settlement outcome.

“Insurance defense attorney near me”, is this what your Google search looks like? Well, look no further! The volunteer law firm, an insurance defense attorney in Knoxville TN is here to your rescue. You can call our offices today and schedule a free one on one consultation with us. We will utilize this time to get to know you better, learn about your case, thoroughly analyze it, and inform you about all the legal options available so that you can step forward with confidence.

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