Crashes happen all the time, so lawmakers put systems in place to ensure that innocent drivers can claim compensation for injuries that were someone else’s fault.
That’s why motorists across the country are obliged to pay insurance premiums. It’s clearly a nice earner for insurance companies, yet many will still use suspect tactics to enhance their profits. High among them is attempting to reject or reduce your claim. Here are two ways they might try to do that:
1. Putting words in your head
“Yes, that’s how it happened,” could be just the answer the insurer is looking for when they ring you and suggest to you that your crash happened in a certain manner. They know your memory may be hazy and so may try to get you to say things that reduce their liability and increase yours. Once you’ve said it, trying to take it back will make your story look unreliable.
2. Tempting you with an early offer
What could be nicer than an insurer who pays up promptly without querying your claim? Beware, as it might not be as kind as it seems. What the insurer is probably doing is offering you way below the amount you are actually due. They figure that many people are so grateful to get enough cash to mend their car and get back on the road that they will take a low offer.
Once you accept the settlement, you cannot claim more, so it is crucial to get legal help to understand the full amount of compensation you may need and be due first. Remember, it can take time for the full extent of your injuries to become apparent after a vehicle crash.