Whether it is getting hurt in an accident or experiencing severe property damage from a natural disaster, insurance claims can help make your life easier. This is especially true if you are not at fault for the incident.
Many times, it is difficult to tell when you receive a lowball settlement offer from the insurance company. Without legal counsel, you may accept an offer that is completely unfair. Here are four ways an insurance adjuster may try to lower your settlement offer.
1. A history that includes a prior car accident
An adjuster looks for any detail that could support a low offer, and involvement in a prior car accident is one of them. Do not accept this excuse.
2. Medical records showing pre-existing health problems
Your prior medical history does not have an impact on the injuries or damages sustained in the current situation. While an accident could aggravate an existing condition, it does not preclude you from receiving medical care and compensation.
3. Minor car damage
In the event of an auto accident, an adjuster may lowball your settlement on the grounds of minimal property damage. Assessing the severity of the accident and resulting injuries purely on the damage to a vehicle is unreliable and unfair.
4. Lack of emergency medical attention when leaving the scene
Many insurance companies use the lack of ambulance transport from the scene as an indication of minor injuries. Do not allow this argument to keep you from legitimate compensation offers.
Unfortunately, insurance companies are notorious for underpaying or denying legitimate claims. Do not fall prey to these tactics when pursuing compensation for your injuries or damage.
