Our Oklahoma City Car Accident Lawyers Inform Motorists of Common Tactics Used by Insurance Companies
Safer America stated, “In 2016, there were 34,439 police-reported fatal car accidents.” Unfortunately, automobile accidents are a commonality across America. Most people purchase an insurance policy in order to protect themselves or cover costs in the event they are involved in an accident. However, insurance companies often make it difficult to file a claim to seek compensation for damages.
When you file a claim to obtain compensation for your injuries and property damage, every detail matters.
Insurance companies are aware that most accident victims are vulnerable and, oftentimes, unsure of how to proceed after an accident. With this in mind, they are notorious for taking advantage of car accident victims in attempts to pay out as little money as possible.
If you or a loved one sustained injuries in a motor vehicle accident, our team can help. We understand the stress and worry victims face after an accident. With an attorney on your side, you won’t have to navigate the legal system alone.
At Colbert Cooper Hill Attorneys, our Oklahoma City car accident lawyers have years of experience handling insurance companies. We have gathered six insurance claim pitfalls victims should avoid after an accident. Understanding the various tactics insurance companies are known to use may help you receive the full amount you deserve for your injuries.
Signing a Medical Authorization Form
Insurance adjusters may encourage you to sign a medical authorization form, however, signing this form may diminish your chances of receiving compensation for your injuries and any property damage.
Additionally, this will give insurance companies access to your private information, such as previous injuries and health conditions. If you have suffered injuries in the past, they may attempt to use your medical history to argue that your injuries were not entirely caused by the accident but occurred prior to the wreck.
Giving a Statement Without Speaking to a Lawyer
Most accident victims believe giving a statement about the collision to an insurance adjuster is required. Giving a statement without first consulting an attorney can significantly damage any compensation you may be entitled to receive.
Many times, adjusters use a victim’s written statement against them. For example, they may ask strategic questions that allow them to later deny your claim based on your responses.
Accepting Their Initial Offer
Insurance companies know that most injured victims want to settle their case quickly in order to have their medical bills and other costs covered. Therefore, they tend to make their initial offer lower than what the victim deserves, in hopes that they will feel pressured to accept.
Furthermore, insurance companies may suggest that their initial offer is the best offer the victim will be able to receive. Oftentimes, this is not the truth. The main goal of most insurance companies is to make a profit, so they will try everything they can to pay as little compensation as possible to injured victims.
Failing to Hire an Attorney
Insurance adjusters may also encourage you not to hire an attorney. This is because they know an attorney will fight for what’s fair. Hiring an attorney to review your claim will give you the best chances of receiving a fair amount based on the extent of your injuries, property damage, and other related costs.
Delaying Your Claim
In some cases, an insurance company may delay or stall your claim. Most victims want to settle their cases quickly, especially if they are strained financially due to medical expenses and lost wages. Insurance companies know if they stall or delay your claim, it will likely make you even more eager to settle your case.
If you’re eager to settle, it may be easier for the insurance adjuster to pressure you into accepting a low offer, leaving you with less than what your case is actually worth.
Contact an Experienced and Dedicated Lawyer
If you or a loved one was injured in a car wreck due to the negligent actions of another driver, an Oklahoma City car accident lawyer can negotiate with the insurance company on your behalf. We can ensure you don’t fall victim to their tactics.
In order to determine if you are eligible to obtain compensation, it’s in your best interest to speak with an attorney. Compensation can help cover medical treatment, lost wages, pain and suffering, and other costs.
Call Colbert Cooper Hill Attorneys at 877-579-6800, or fill out our free consultation form. If you wait to seek legal guidance, you may negatively impact the amount of compensation you’re able to receive for your injuries.