Tactics Car Insurance Companies Use to Devalue or Deny Valid Claims

Navigating the aftermath of a car accident is challenging enough, but dealing with car insurance companies adds another layer of complexity to an already stressful situation. Insurers may claim to have your best interests in mind, but when it comes time to file a claim, the reality can be very different.

Some insurance companies employ a range of tactics to devalue or outright deny valid claims. From delays and confusing jargon to disputing medical treatments and underestimating damages, these strategies can significantly impact the compensation car accident victims receive.

#1: Asking for a Recorded Statement Soon After the Accident

Car insurance companies may request a recorded statement immediately following an accident. They often portray this as a routine step toward processing your claim. However, this tactic can be used to find inconsistencies in your account of the collision or comments that could undermine your claim. It is crucial to consult with a Louisville car accident lawyer before providing such a statement, as anything you say can be used to minimize your award or deny your claim altogether.

#2: Asking You to Sign a Blanket Medical Authorization

Insurance companies may ask for your signature on a broad medical authorization form, granting them access to your medical records. However, they may use this access to search your medical history for pre-existing conditions and argue that your injuries were not caused by the accident. If the company claims that your injuries are not covered by the policy, your award could be reduced. Instead of providing a blanket authorization, limit insurers’ access to the relevant records only.

#3: Offering a Quick Settlement to Resolve Your Case

Insurers might propose a settlement right away, tempting you with immediate compensation. However, these initial offers are often significantly lower than what your claim is worth, especially before you understand the full extent of your injuries and other losses. Accepting this offer can prevent you from seeking additional compensation later, leading to financial hardship.

#4: Shifting Liability for the Accident onto You

To reduce their payout, insurance companies may attempt to shift some or all of the accident’s liability onto you. By arguing that you were partially or fully at fault, they can significantly reduce the compensation that they owe. 

#5: Convincing You That You Do Not Need a Lawyer for Your Claim

Insurance representatives might suggest that hiring a lawyer will only complicate your claim and reduce your compensation after legal fees. This advice often serves their interests, not yours. A personal injury attorney in Louisville, on the other hand, is dedicated to protecting your best interests and achieving the best possible outcome on your behalf. With a lawyer on your side, you signal to the insurance company that you are serious about recovering your full compensation. 

Don’t Allow Insurers to Take Advantage of You—Contact an Attorney Today

Dealing with car insurance companies after an accident can be frustrating and overwhelming. Sam Aguiar Injury Lawyers understands the tactics insurers use to devalue or deny valid claims and can defend your rights and interests during these discussions. We can help you navigate the claims process, counteract these strategies, and ensure your voice is heard. If you’re facing difficulties with your car insurance claim, contact us today and get the legal representation that you deserve.