Interacting with an insurance adjuster after an accident can be stressful. Although they might appear friendly, their main objective is reducing the amount their company pays out. Many adjusters use misleading tactics to reduce settlements or deny claims altogether.
Hiring a car accident attorney is core to protecting your rights and ensuring you receive fair compensation. Understanding the common falsehoods adjusters tell can help you navigate the claims process effectively.
Below are three significant lies insurance adjusters often use to manipulate accident victims, justifying why you should hire a car accident attorney.
1. “You Don’t Need a Lawyer”
One of the first things an adjuster might tell you is that hiring legal representation isn’t necessary. They may claim the process is straightforward and that a lawyer will only take a percentage of your settlement. While this may sound convincing, it is often a tactic to prevent you from seeking professional advice.
Without legal representation, you might not realize the full value of your claim. Insurance companies often make quick settlement offers that do not cover all medical expenses, lost wages, or future damages. An attorney ensures you receive what you are entitled to rather than what the insurance company wants to pay.
2. “Your Injuries Aren’t That Serious”
Downplaying the severity of your injuries is another popular strategy. Adjusters may try to lower the settlement by claiming that your injuries are minimal or pre-existing. In an attempt to get you to accept a smaller payment out of irritation, they could even ask for pointless medical information or postpone processing your claim.
Some injuries, such as internal trauma or whiplash, may not cause symptoms right away, but they can still have long-term consequences. Getting medical help immediately after an accident and consulting with experts later can help you gather evidence to support your claim.
Do not let an adjuster dictate the seriousness of your condition—only medical professionals can make that determination.
3. “We Can Settle This Quickly for a Fair Amount”
Although a speedy settlement may appear to be an act of generosity, it is sometimes a strategy to end the case before the full extent of your damages is known. Quick settlements help insurance firms because they keep you from understanding the accident’s long-term financial effects.
You give up the ability to pursue additional damages as soon as you accept a settlement. If new medical issues arise or your recovery takes longer than expected, you will be responsible for any extra expenses. Before agreeing to any offer, it is crucial to assess all medical, property, and emotional damages fully.
Final Thoughts
After a car accident, an insurance adjuster may use various tactics to save the company money. Awareness of these lies and seeking professional legal representation to protect your rights is essential.
A skilled lawyer can represent you in negotiations with the insurance provider and guarantee that you are fairly compensated for all losses sustained. Do not fall for the tricks of an adjuster—hire a lawyer and stand up for yourself.
