The insurance company tries to make it seem as though they are working for their policyholders and claimants, when actually, the insurance company only cares about one thing: their profits.
It is not uncommon for the insurance company to do whatever they can to get away with paying you as little as they can possibly get away with. Ee spoke to a qualified Boise personal injury lawyer who told us that there are ways you can avoid being taken advantage of and beat the insurance company at their own game.
The insurance company is going to try a number of different things to reduce the amount they are obligated to pay you. They will more than likely ask you to provide them with a statement regarding how the accident occurred. Though this may seem innocent and necessary, just like with law enforcement, anything you say can and will be used against you.
The insurance adjuster will take any statement you give, and try to twist it to their benefit, making it seem as though you have admitted fault or are to blame for the accident in some way. If the insurer can put the fault on you, they can get away with reducing the amount of your injury settlement under Idaho comparative fault laws.
Another way the insurer will try to take advantage of you is to make you a quick offer. This may seem like good news, but when an insurer makes you a fast offer, they will more than likely be doing so because they know your claim is worth far more. By tempting you with money that you need now, they can pay you less without you even knowing.
Beat the insurance company at their own game by having exceptional legal representation. The insurer isn’t going to want to risk going to court and being ordered to pay beyond what they would have been obligated to if they were to have settled your claim reasonably. Your attorney shouldn’t be afraid to go up against the insurance company, and if the insurer refuses to settle your claim fairly, your lawyer should be prepared to bring your case to trial.
Unfortunately, most accident survivors are not equipped to negotiate with the insurance company and get the most out of their claim, but that’s what personal injury lawyers are for, and the best way to beat the insurance company at their own game is to have a high-powered attorney who is unafraid to fight for the injury settlement you deserve.