May 4, 2012 /24-7PressRelease / -people who have been in a car accident before know how it is difficult to deal with insurance companies. However, if you're new to the experience, it may be a test of patience and painful process for your payment application.
Despite the impression of hot ads of insurance give treatment effective applications and will help you when you are in a car accident, the insurance is actually a multi-billion dollar company. Like most businesses, insurance companies exist to make a profit for their shareholders, to make their happy subscribers is not the main concern of the company.
The insurance claims process is not all pessimistic - several times, requests are resolved in a timely manner, in a fair manner and in full. Unfortunately, this is not true in many cases, so it is important to be aware of some of the tactics that your auto insurer can use the next time you are in an accident.
The underestimated the first settlement offer
Insurance companies routinely offer a first ridiculously low offer. The reason they do is because after an accident, many people feel vulnerable and need money immediately and will take the first offer that comes around. If you are injured in the accident, settle a claim quickly is rarely desirable, as you may not be aware of the extent (and fees) your injuries.
Stalling
Sometimes instead of making an offer of a rapid settlement, insurance companies will try to tire you in delaying the processing of your application. They may "lose" paperwork you submitted, send your request between many adjusters or simply not return your calls. Some people, frustrated by the process, will give further action, which is the result that the insurer would have preferred.
Medical Bill evasive
If you are injured in the car accident, insurers can use several tactics to try to get out of paying the medical bills. They can request that your injuries were not caused by the accident, but were due to an existing medical condition. Although certain injuries do not develop until shortly after the accident, they can also accuse you exaggerate or even lie about your injuries, if you see a doctor immediately after the accident.
Recommended repair shops
If your vehicle is damaged in the accident, insurers will often be promise fast and fast payment if you use one of their recommended body shops. What they say, is that these shops to work for them and not for you. These workshops are often cut corners on repairs with cheaper spare parts and is perhaps not completely repair your vehicle.
In addition, insurers may attempt to avoid the repair of your vehicle while stating your vehicle totalled. Under most policies, once this happened, the insurer is that you pay the fair value market of your vehicle, which is often much less than the cost to repair. This often leaves you with little money and a vehicle unusable.
Information of a Baton Rouge personal injury attorney
If you were involved in a car accident, it cannot always count on your insurer to give you a fair offer or search for your interest. However, an experienced injury lawyer can advise you of your rights, help you navigate the claims process and ensure that you get just compensation from your insurer.
Article provided by the law firm of Murphy
Visit us at the www.batonrougeinjuryaccidentattorney.com
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