Insurance Adjusters Work Hard to Deny your Injury Claim
By Neil Kalra
When you seek compensation for a negligence-based injury, it’s virtually certain you must deal with some type of insurance company. If you’re hurt in a car wreck, your claim is with the at-fault driver’s insurance company.
This has been every insurance company’s business model since the dawn of time. “Take in maximum dollars in premiums and pay out as little as possible in claims.” To that end, insurance companies have hundreds of actuaries who compute risk, accountants to watch every penny, lawyers to defend them whenever the company wishes, and adjusters who say they’re on your side; but whose real job is keeping claim awards dreadfully low! An adjuster claims to be there to help you. But, their real job is to deny your full compensation, or whittle it down significantly. Here’s how they do it.
Adjusters pledge a fair settlement and then undermine that pledge: This person is working in his or her own best interests; defined by their employer – the insurance company. Their salary, security and future depend on how they “manage” claims. The more money they save for the company, the brighter things look to them. This means your needs are secondary to the adjuster/insurer. Beware.
They’ll say, “you don’t need a lawyer, we can work this out:” The adjuster knows an attorney makes their job hard(er). Nimble lawyers don’t let them get away with their tactics to protect their interests, and that of their employer’s. Insurance companies would love to negotiate with only you because you’re at a tremendous disadvantage. But if you have an attorney who knows their game, they won’t keep money that you and your family deserve.
Adjusters ask if you will make a recorded statement: They want you to say something that will derail your claim/case, even statements taken out of context. Just saying you are “fine” when asked how you are doing; they can find a way to use that simple phrase against you, if you have an injury claim under review.
“And while I’m at it, can we get copies of your medical records?” If you authorize anyone with any insurance company to see your medical records, it’s a huge mistake. The insurance adjuster can learn all sorts of personal details, and find some excuse to deny your claim citing some pre-existing condition. Your lawyer will tell you that sharing medical records is the kiss of death to your fair claim.
Offer you a quick settlement: The adjuster has just extended an on-the-spot settlement that might appearfair. But is it? That check is the only bite at the compensation apple you’ll get. Signing a release in exchange for that check ends your claim. Sometimes that accident’s only one day behind you and they’re already offering you money. Don’t sign anything or accept any money without speaking with an attorney first!
Most people believe that insurance companies exist to help injured people by paying claims. Nothing could be further from the truth. The reality is this. Though they want you to think they’re a good neighbor, insurance companies exist to profit, just like any other business. And the point person is the insurance adjuster, who literally stands between you and fair compensation for your injuries and other damages.
Whether you or a family member was injured due to a car accident, commercial vehicle accident, or semi-truck accident, you may be entitled to full benefits and compensation. Know your rights and get the answers you deserve. The attorneys at Kalra Law Firm are dedicated to getting car accident victims the compensation they deserve. Call our office now to speak with one of our experienced car accident lawyers to represent you in your case. We offer a free initial consultation and will not charge unless we win your case. Call our New York City and Queens car accident lawyers today if you have any questions about a car accident you were involved in. Call us at (718) 897-2211 www.unionlawyer.com