The moment you contact your insurance company about an accident, adjusters begin scrutinizing your case for faults and missing information. At this point, many adjusters will try to rush you into accepting an unfavorable settlement, using a variety of dishonest tactics to undervalue your case and give you an unfair settlement.
Most insurance adjusters do their job fairly and properly, although, deceitful insurance adjusters are out there. You should be prepared and know what red flags to watch for, and how to respond. Note that an insurance company can never deny your claim on an altogether unreasonable or false basis, as that would constitute an illegal bad faith claim.
Insurance companies stand to profit the most if you settle quickly, before consulting a lawyer or doing proper research. As such, many adjusters might offer you a quick, easy sum over the phone. You should never agree to a settlement just after your accident. These initial offers are often undervalued, but more importantly, they won’t cover any future damages. Remember that generally, once you settle, that’s it—you can’t get anything more for your case, with or without a lawyer.
Additionally, insurance companies might try to get you to provide a recorded statement, which you should also avoid doing until you’ve spoken with an attorney. These can be used to discredit your claims or call your injuries into question, and are never beneficial to you.
Many adjusters will tell you that they’re acting in your best interest, trying to convince you that they’re your friend. Remember, their job is to minimize claims and maximize profit for the insurance company. Even if they don’t use dishonest tactics, they’ll still do whatever they can to devalue your settlement. An adjuster might tell you that their offer is the only one you’ll get, or that you’ll have to go to court if you don’t accept it, but that’s rarely the case. Even with over a million accident cases filed a year in Arizona, most don’t go to trial, and once an attorney is involved, a series of offers and counter-offers are common.
Before agreeing to anything with an insurance adjuster, you should talk to a lawyer. The talented attorneys at Escamilla Law Group can give you guidance and secure the settlement you deserve, so don’t wait—contact us at (623) 321-0566 to schedule a free consultation today.
The summer season is upon us, and with children out of school, visiting friends, and out playing, there are certain dangers that they’re exposed to more so than when they’re...Read More