Here are just a few tactics that insurance companies use to reduce the value of a car crash claim:
- Offering a Quick Settlement: If you’re injured, your car’s totaled, and you’re unable to work, insurance companies will try to prey on your desperation and need for a quick payout.
- Asking You for a Recorded Statement: Insurance companies may try to get you to record a statement about the collision, hoping that you misspeak or misremember what happened, or that you suggest you’re not badly hurt.
- Downplaying the Severity of Your Injuries: Insurance companies may claim you’re not as badly injured as you seem, or that your injuries are part of a pre-existing health condition rather than the collision itself.
- Stalling and Delaying the Claims Process: Insurance companies may stretch out the claims process by requesting documentation, changing your claims adjuster, saying the matter is under investigation, or stalling on a final payout.
- Hiring Private Investigators for Surveillance: Sometimes insurance companies will scour your social media or hire an investigator to watch you for any evidence that your injuries are not as serious as you reported.
