One of the saddest things that can happen after a car accident in Florida is being scammed and taken in by the insurance company during your worst-case scenario. This may seem unbelievable to some, especially after being told to trust them during the insurance application process. The fact that it’s being used is common and you won’t know it until you agree on the ground settlement. Even if they do it on purpose, it is not clear and obvious. Knowing the signs will help you avoid this. Many personal injury lawyers have handled these cases before.
When insurance companies start doing these things below, be very careful and alert.
• Acting as a Friend and Trustee- One of the reasons why car accident survivors fail to realize that they are being used to make the wrong decision is that the insurance companies act as their strongest allies. As opinions abound and everyone’s patience wears thin, insurance providers can step in with “friendly” advice that can force you to make hasty decisions, lower the cost of your claim or prevent you from getting full coverage.
For example, they are quick to give money to pay for things that they do not pay for Florida’s mandatory PIP. This will help them avoid paying the full and actual cost after calculating the actual medical costs.
• Blaming You – Although you may not be blamed for the accident, a well-planned and structured discussion can get you to admit fault even if it isn’t true. Sometimes, even victims can believe that they are really guilty. When insurance companies successfully extract such statements from you, this can significantly lower the amount they have to pay on behalf of their client. In some cases, it also eliminates the need to pay compensation because the claim is dubious and untenable.
If negotiating with the insurance company is unavoidable, keep your voice as low as possible and stand firm. It’s also a good idea to let your lawyers do the talking.
• Reducing the Risk of Your Injury – A serious medical injury costs a lot of money, especially when you suffer from not just one but many complications after an accident. Insurance companies can minimize your injuries to reduce costs, and they can do this in a number of ways. First, they may try to claim that your injuries were caused by a pre-existing condition, and remove the list of things they have to pay for. Second, they may say that your delay in paying interest or medical aid means that it is not dangerous.
No matter how hard they try, your medical history, medical records, and doctor’s statement can prove this in one way or another so make sure you’re prepared.
• Confirming Your Acceptance of Termination – Going to court may take a long time, but it means that all of your claims will be considered accurately and fairly. It also ensures that you will receive them. Insurance companies can spend a long time trying to convince you to agree to a settlement, which offers a lower price but guarantees that you will receive it immediately. Before agreeing to anything, talk to your lawyer and listen to their advice.
With all that said, you don’t have to do any negotiations or negotiations with insurance providers. Let your personal injury attorney represent you and they can negotiate on your behalf, ensuring you get the best possible outcome.