Dealing with insurance companies after a car accident can feel overwhelming.
Insurers often use strategies to reduce payouts, making it essential to recognize these tactics and respond effectively.
1. Delaying claims processing
One common tactic is delaying the processing of claims. Insurance companies may drag out the process, hoping claimants will grow frustrated and accept lower settlements. Staying persistent and following up regularly can help keep the claim moving forward.
2. Offering low settlements
Insurers often make lowball offers early in the process. These offers aim to settle quickly before the full extent of damages is clear. Always evaluate the offer carefully and ensure it covers medical expenses, property damage, and other losses.
3. Questioning liability
Insurance adjusters may challenge who was at fault for the accident to reduce their payout. In Tennessee, a modified comparative fault rule applies, meaning your compensation may decrease if you are partially at fault. Providing clear evidence, like police reports and photos, can help counter these challenges.
4. Requesting unnecessary documentation
Some companies request excessive documentation to delay claims or frustrate claimants. Providing only the necessary documents, such as medical records and repair estimates, can streamline the process and prevent stalling.
5. Pressuring quick decisions
Insurers might pressure claimants to settle quickly, often before all injuries or damages are fully known. Taking time to understand the claim’s value ensures fair compensation and prevents the undervaluation of losses.
Staying proactive after an accident
Understanding the tactics insurance companies use helps claimants protect their rights and pursue fair compensation after an accident. Staying organized and confident during the claims process makes it easier to navigate challenges and secure what’s deserved.
