When you file a personal injury claim, you expect the insurance company to fairly compensate you for your losses. Unfortunately, insurance companies often prioritize protecting their bottom line over fairly compensating accident victims. However, knowing the tactics they use to deny or undervalue claims can help you safeguard your rights and ensure you receive the compensation you deserve.
Common Strategies Insurance Companies Use to Undermine Claims
- Delaying the Claims Process
One common tactic is to delay processing your claim, hoping you’ll become frustrated and accept a low settlement. Prolonged delays can create financial strain, especially if you’re dealing with medical bills or lost wages. Some claimants may even abandon their claim altogether due to frustration with the drawn-out process.
- Questioning the Severity of Your Injuries
Insurance companies may argue that your injuries are not as severe as you claim. They could request excessive documentation or use independent medical exams (IMEs) to challenge your medical diagnosis and treatment. By minimizing the impact of your injuries, they attempt to reduce the amount they owe you.