Published on November 14th, 2019
Sadly, car accidents happen every day throughout our country. While you hope that you’ll never experience one yourself, you never know what’ll happen while you’re driving on the roadway.
In the unfortunate event you find yourself the victim of a car accident, you’ll have a long battle ahead of you.
While you’ll have medical bills and property damage to worry about, insurance companies will also challenge you.
Even if the client of an insurance company is fully liable in your car accident, most insurance companies will not easily accept the responsibility on behalf of their client. If you want your compensation, you’ll have to fight for it.
However, the shady tactics that some insurance companies use are confusing to the average person. Speaking with a Savannah car accident attorney can help you better understand the strategies used by these disreputable insurance companies.
1. Using Your Words against You
Insurance companies are always eager to talk to you about your car accident. No matter how friendly the representative sounds over the phone, they’re often seeking to take advantage of your situation. The instant you say anything questionable about your accident, the insurance representative may eagerly take your words out of context and use them against you in your case.
While this seems highly unethical and somewhat cruel, some insurance companies will nevertheless use this strategy against you during your car accident claim. You must always be careful when questioned by a representative. Remember, these people are not your friends and are employed to save their company money.
Usually, you should never communicate with an insurance company representative unless you have your car accident attorney present with you.
2. Offering You Less Compensation Than You Deserve
Always expect insurance companies to offer you a settlement worth way less than you deserve. While the number they offer you may seem generous at first, it’s almost always lower than it could be.
Insurance companies hope you’ll blindly take their first offer and close the claim as soon as possible. The longer they have to spend fighting the case, the more time and resources they use. Accepting the original offer made by an insurance company is often doing yourself a great disservice.
In the aftermath of a car accident, the costs of your damages could vary greatly. For this reason, you deserve to receive a fair settlement. Naturally, your car accident attorney will help you fight for your right to fair compensation.
3. Ignoring Your Pain and Suffering
When offering your settlement, insurance companies will typically ignore your mental and emotional distress. Insurance companies will estimate your damages in an almost robotic nature. However, when you experience a car accident, you don’t only suffer from physical and property damages. You also suffer from mental and emotional damages, as well.
Depending on the severity of your injuries, you may require years of counseling to help you cope with your traumatic experience. Even after attending therapy sessions, your way of life may forever change because of your accident. Insurance companies ignore your mental anguish because it doesn’t fall within the categories of damages they usually cover.
If you want to be repaid for your emotional and other intangible losses, you’ll have to fight for your right to compensation by filing a personal injury claim.