Driving presents inherent risks, and accidents can occur unexpectedly. And when they do, the insurance claims process can be a daunting and intimidating experience. Insurance companies have developed tactics to reduce their liability, and it is crucial to be aware of them.
1. Delaying payment
Insurance companies may stall payment, hoping you will settle for a lower amount or give up on your claim. They must respond to your claim within a reasonable time frame, typically 30 days, as mandated by law.
2. Making lowball offers
Insurers may make an initial offer that is significantly lower than your claim’s value. They often try to rush you into a quick settlement, overlooking the full extent of your injuries or damages.
3. Requesting unnecessary information
Insurance companies may request excessive documentation or medical records, which can be overwhelming and time-consuming. Be aware of what information is necessary for your claim and provide only that.
4. Blaming you for the accident
Insurers might attempt to blame you, even if you are not fully at fault. This tactic aims to reduce their liability and, subsequently, the amount they need to pay. Gathering evidence and witness statements is essential to support your claim.
5. Using surveillance
Insurance companies may use surveillance footage or social media monitoring to discredit your claim. Refrain from posting anything that may hurt your case.
Obtaining legal advice is crucial
Dealing with these tactics while recovering from injuries can be overwhelming. An experienced New Jersey attorney can negotiate with the insurance company on your behalf. They can help ensure you do not fall victim to unfair practices.
