When someone is injured in an accident, their first thought is usually of the medical bills they will now have to pay. They may not be thinking about the fact that they could file a lawsuit against the person or company responsible for their injuries, so that they can claim compensation for their injuries and damages with the help of a reputed New York personal injury attorney.
However, in order to avoid having to pay out compensation, many insurance companies will do everything they can to minimize their liability. This includes trying to find any way possible to deny or reduce a claim. If you have been injured in an accident, it is important to understand what kind of tactics the insurance company is likely to adopt in order to avoid paying you what you deserve. Car and truck accident lawyers in New York know about all these tactics used by the insurers, which is why it is important to get their help in case of an accident.
Delay processing the claim
One of the most common ways that insurance companies avoid paying compensation is by delaying the processing of claims. This can be done in a number of ways, such as:
- Asking for additional information that is not needed or relevant to the claim.
- Failing to return phone calls or emails in a timely manner.
- Dragging their feet on scheduling appointments for inspections or visits.
All of these tactics are designed to make it harder for the victim of an accident to get the money they need in a timely manner. In some cases, the delays can be so bad that victims are forced to give up and move on with their lives.
Requesting irrelevant information
Another way insurance companies try and avoid paying out compensation is by requesting irrelevant information from the victim. For example, they may ask for medical records that are not related to the accident or financial records that have nothing to do with the claim. This can be very frustrating for victims, who just want to get their lives back to normal as quickly as possible.
In some cases, insurance companies will also try and contact the victim’s friends or family members in an attempt to get dirt on them. This is completely unethical and is only done in an attempt to discredit the victim so that they are less likely to receive compensation. Reputed slip and fall attorneys in New York are well aware of such incidents and will ensure that such unethical behavior on the part of the insurer does not hamper your case.
Claim that the accident was not their fault
Another tactic that insurers use to avoid paying compensation is to claim that the accident was not their fault. They may try and blame the victim, or even say that the accident was caused by a third party. This can be very difficult to refute, and often requires the help of an experienced car accident attorney in New York.
It is important to remember that insurance companies are businesses, and their primary goal is to make money. They will do whatever they can to avoid paying out on a claim, even if it means using underhanded tactics. If you have been in an accident, it is important to seek legal advice as soon as possible so that you can get the compensation you deserve.
This is a topic that many people are not aware of until they are personally affected by it.
Blame the victim for the accident
Blaming the victim is another common tactic that insurance companies use to avoid paying compensation. They will try to find any way possible to place the blame on the victim, even if it is not their fault. This is often done by looking at police reports and eyewitness statements. If there is anything that could be construed as the victim’s fault, they will use it against them.
This is why it is so important to have a lawyer on your side who can help you fight back against these tactics and get the compensation you deserve. If you have been in an accident, don’t hesitate to contact a good lawyer today.
Claim that the damages were already repaired
When someone is in an accident, their vehicle will likely need some repairs. Insurance companies will sometimes try to lowball the victim by claiming that the damages have already been repaired. This is often done by looking at receipts or invoices from previous repairs.
If you find yourself in this situation, it is important to get copies of all relevant documentation to prove to the insurance company that the damages were not already repaired. An experienced lawyer can help you gather this evidence and build a strong case for compensation.
Lowball the estimate of damages
When estimating the cost of repairs, insurance companies will often lowball the victim. This can leave the victim with a repair bill that is much higher than what they expected.
If you find yourself in this situation, it is important to get multiple estimates from different repair shops. A lawyer can help you negotiate with the insurance company to get a fair settlement.
Refuse to pay out anything over a certain amount
Insurance companies may also set a hard limit on the amount of money they are willing to pay out for an accident. If the victim’s damages exceed this limit, they will be left to pay for the rest out of their own pocket.
This is why it is so important to have good insurance coverage. If you don’t have enough coverage, you could be stuck with a huge bill following an accident. An experienced lawyer can help you make sure you have adequate coverage to protect yourself in case of an accident.
A good lawyer will also know how to deal with insurance companies who try to low-ball you or refuse to pay out a fair settlement. If you have been in an accident, don’t try to deal with the insurance company on your own.