6 Ways Insurance Companies Sabotage Personal Injury Claims

 Posted on October 24,2024 in Personal Injury

Whether you are injured in a car crash, truck accident, slip-and-fall accident, medical malpractice, or other qualifying incidents, you likely qualify to file a personal injury claim seeking compensation. These cases typically begin by filing an insurance claim against the at-fault party’s policy. Unfortunately, most liable insurers use several methods to reduce or eliminate your payout.

Did you know that injured victims who partner with a competent attorney typically receive substantially higher compensation amounts? We know how to overcome insurance company tactics that could sabotage your claim. Call Adler Law Offices, LTD now for your free consultation.

Offering Insultingly Low Settlement Amounts

Insurance companies investigate claims to determine their validity and value. Although they know how much your claim is worth, they are not worried about your best interests. Instead, their job is to protect their own bottom lines. Insurers routinely offer intentionally low settlements, hoping you are unaware you can negotiate for higher amounts.

Manipulating Fault

In Illinois, modified comparative negligence laws determine whether you can receive compensation and how much you might get. Insurance companies know these laws and may try to assign more than your fair share of fault for causing your accident to disqualify you or reduce your payout.

Using Your Words Against You

Insurance company representatives may seem nice, but they are not your friends. They often record conversations with you, trying to trick you into admitting fault. Even saying "I’m sorry" could imply fault, and they will often pounce on it and use it to damage your claim.

Attempting to Discredit You

If insurers can discredit you, they may not have to pay as much. They may state that:

• Your injuries did not result from your accident
• Your medical condition is not as severe as you claim
• Your injuries are not impacting your quality of life

This tactic literally adds insult to injury, but it happens regularly.

Intimidating You

Insurers often try to intimidate you into accepting a low settlement. They could imply that is all you deserve or that you will not get any payment if you refuse a low offer. Their team of attorneys can use fancy legal language to confuse you while attempting to force you to accept an offer.

Denying Your Claim

Liable insurance companies may deny your claim outright, saying that their policyholder is not responsible for the accident or incident that caused your injuries. This could happen even if you have to file a claim against your own insurer, like an uninsured motorist claim.

How Adler Law Offices, LTD Can Help With Insurance Company Tactics

Many times, liable insurers are immediately frustrated when they learn a victim has hired a lawyer. They know your attorney will not allow them to take advantage of you. We will:

• Force insurers to communicate with you through us
• Ensure that fault for your accident is assigned accurately
• Gather evidence to support your claim
• Calculate your damages accurately
• Negotiate for a reasonable settlement offer
• Take your case to trial if necessary

Trying to deal with insurers alone can be costly. You can trust Adler Law Offices, LTD to protect your best interests.

Call Our Skilled Arlington Heights, IL Personal Injury Lawyer

If you are injured by someone else’s negligence, you deserve full compensation. Call Adler Law Offices, LTD at 312-236-2700 for your free consultation with our trusted Cook County, IL car accident attorney.