How Insurance Companies Question Evidence Or Timing
Dealing with insurance companies can be an arduous process. Their primary goal is to protect their own interests, often leading them to scrutinize and challenge claims to minimize payouts. This is why having a knowledgeable Miami personal injury lawyer by your side is crucial. When an insurance company is doubting evidence or brings up issues of timing, talk to an attorney about ways to effectively push back against these tactics.
The Insurance Company’s Bottom Line
Insurance companies are businesses that thrive on maximizing profits. When you file a car accident claim, their objective is to investigate it thoroughly to find ways to justify a smaller settlement. They employ various strategies, such as questioning the documentation related to your accident and injuries, to achieve this goal.
For example, they may argue that delays in seeking medical attention indicate that your injuries are not as severe as claimed. So if you didn’t visit a doctor immediately after the accident, they might suggest that your injuries were not caused by the accident or are not as serious.
An insurance adjuster may also question the severity of your injuries. They may request extensive medical records and seek opinions from their medical experts to downplay your injuries. By doing so, they aim to reduce the compensation you receive for medical expenses, pain and suffering, and other damages.
And because evidence plays a critical role in any car accident claim, insurance companies could question the validity of the documents you provide, such as photographs of the accident scene, witness statements, and police reports. They may claim that it is insufficient or inconclusive, arguing that you were partially or fully responsible for the accident, even if the police report and witness statements indicate otherwise. If they are successful in shifting the blame onto you, they can significantly reduce the settlement amount.
Pushing Back with Documentation and Skill
Legal professionals know how to collect and preserve crucial evidence. They will ensure that all relevant documentation, photographs, and records are gathered promptly and accurately, strengthening your case against any challenges from the insurance company.
When it’s helpful, an attorney can also enlist the help of medical and accident reconstruction experts. These professionals can provide compelling testimony to support the severity of your injuries and the circumstances of the accident, countering any attempts by the insurance company to downplay your claim.
An experienced Miami personal injury lawyer can additionally lean on their negotiation talents to effectively counter the insurance company’s tactics. Should an insurance company continue to deny or undervalue your claim, your attorney can then take the case to court. Having a lawyer who is prepared to litigate demonstrates to the insurance company that you are serious about receiving fair compensation, often prompting them to offer a more reasonable settlement.
Are you insulted after receiving an initial settlement offer from an insurance company? Don’t let insurance companies undermine your claim. Instead, have the attorneys at Spencer Morgan Law protect your rights and interests. Call 305-423-3800 to schedule your confidential consultation.