What Insurance Companies Do to Avoid Paying Personal Injury Claims

Just like other businesses, insurance aims to make a profit. And insurance companies achieve this by taking in much more money than the payout. To maintain this profit, these companies use some tactics. If you have been injured in Toledo and filed a claim for compensation, getting what you deserve will be difficult if you don’t have a legal representative to negotiate with insurance companies on your behalf. Insurance providers are notorious for denying claims or making the smallest payouts possible. In fact, they are known for using the following tactics to avoid paying injury claims:

Delay Injury Claims

Sometimes, insurance companies ask for complex forms and details that are not necessary to process your claim. This delaying tactic is aimed at frustrating you into quitting. And when you submit their requirements, they may request more documents. Also, these companies will delay your claim hoping that the evidence will become more difficult to find. And because you may not be aware of the statute of limitations, insurance companies may delay your claim until such limitations will expire. When this happens, you won’t be able to file a lawsuit. 

Deny Injury Claims

Insurance adjusters dispute or deny liability even if their client is at fault. Sometimes, they may admit partial liability. Also, to downplay your injuries, they make them sound less serious or make it look like you don’t have an injury at all. Usually, they will use pre-existing conditions to deny claims. Although they may acknowledge the accident and injuries, they may try to reduce your compensation by claiming your injury was caused by a pre-existing condition. 

Defend Against Your Claim

Insurance companies have a team of lawyers to defend their claims. This is the reason you may be at a disadvantage when you face insurance companies in negotiations or court. Their attorneys will try to exploit each legal loophole to help their clients defend their positions and pay little to nothing for your claim. 

Moreover, insurance providers may try to shift blame to claim you are at fault for the accident. That is why you need to have an attorney representing you and working on your case from the get-go. Even if you are partially at fault for the accident, this doesn’t invalidate your claim. You may still collect from the insurance company and your attorney can help determine that. Should the insurance adjuster contact you and ask you some questions, make sure you don’t say anything without the presence of your attorney.