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Tactics Used by Insurance Companies to Deter Paying an Accident Victim

Published on Apr 6, 2020 at 7:53 pm in Car Accidents.

After an accident, you might expect the other party’s insurance company to work with you to make sure things go as smoothly as possible and pay you the full compensation you deserve for your injuries and damages you sustained as a result of someone else’s negligence. Unfortunately, that does not often happen.

In general, insurance companies don’t want to settle you claim easily or provide you with the full amount you may be entitled to. Before they will compensate you for your injuries, they will ask that you get them hard proof of your medical bills, proof of wage-loss and proof of permanence of your injuries. There are instances where an insurer may feel they can lower the amount of compensation they will offer you because you are not represented. 

In other instances, they will see that there could be significant exposure and try to get you to settle your claim short of what the true outcome should be when you are not represented. They may also try to frustrate you in the hope that you will either drop the case or accept the lower amount they’re offering. No matter which tactic you are experiencing, you may benefit by having an accident lawyer to represent you.

Why You May Need to Hire a Lawyer

Insurance adjusters might try to convince you that you don’t need an attorney after an accident. They may also say that they think you have something to hide if you hire a lawyer. They may also accuse you of not telling the truth regarding the severity of your injuries in order to convince you that you are not entitled to full compensation.

An experienced personal injury lawyer will know how to cut through the noise of the insurance company and ensure that you don’t settle for less than you deserve. They will fight for you, help you prove your injuries are real and take your case to trial if necessary to assure that you get the compensation you deserve.

State Insurance Laws to Keep in Mind

In Illinois, it is mandatory for you to have vehicle liability insurance. The Office of the Illinois Secretary of State lists the minimums you must have to meet state requirements for insurance:

  • $25,000 to cover injury or death of one person in an accident
  • $50,000 to cover injury or death of more than one person in an accident
  • $20,000 to cover damage to the property of another person

Some drivers will have higher coverage than the minimums.

Krzak Rundio Gorman, Injury Attorneys Will Support You

If an insurance company is attempting to keep you from the compensation you deserve, one of our experienced attorneys may be able to provide you with the help you need. At Krzak Rundio Gorman, Injury Attorneys, we fight hard to assure that you are not pressured into an early settlement so that you get focus on your recovery and getting full compensation once you know the nature and extent of your injuries.   Contact us today to see if we can help.

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