The physical injuries of vehicular accidents are intense enough to land you in the hospital and disrupt your life. To ease your pain and suffering, you will need medical care and treatments. This can lead to financial strain and emotional distress. It’s important to understand that the compensation you can get from an insurance claim can assist with this.
However, dealing with insurance companies after a serious injury can be complex and challenging. This is why it’s important to be aware of certain tactics they may use. Here are some signs that an insurance company might not be acting in your best interest.
Quick, low settlement offers
Insurance companies might try to give you money quickly after your accident. They might pressure you to decide right away. Be careful because this offer might be much less than what you actually need. They do this hoping you’ll take the money before you fully understand the extent of your injuries. You should not rush to accept. It’s ok to take time to think about it or seek guidance from others first.
Downplaying your injuries
The insurance company might suggest your injuries aren’t as serious as you believe. They might want you to see their doctors, not your own, or they might delay responding. They do this hoping you’ll give up and accept a lower settlement. Remember, only you and your doctor truly know the extent of your injuries. Don’t let them minimize your experience.
Asking for too many records
The insurance company might ask for medical records from before the accident. They might ask you to sign authorizations, giving them broad access to your health information. Be cautious. They might be looking for:
- Pre-existing conditions that could have contributed to your current symptoms
- Previous injuries to the same body parts affected in the accident
- Past treatments similar to your current treatment
Insurance companies can use this information to argue that your current injuries or pain aren’t solely attributable to the accident. This could reduce the amount of compensation they offer.
Insurance companies have a right to investigate claims, but you also have rights regarding your medical privacy. It’s important to understand what information you’re being asked to share and why. Consider seeking a legal professional before authorizing or releasing your medical records.