Inside the Insurance Companies – Part 3

by Terry Bryant

Insurance Policy

Insurance Policy

This blog post is part three in a four-part series designed to help you understand the inner workings of how insurance companies handle a claim filed after an auto accident.

At this phase of the claim, you have most likely been very busy providing documentation of your injuries to the adjuster. This is all while you are treating for you injuries. The medical appointments are taking time away from work and your family. At this point, it is common to want to settle your bodily injury claim quickly so that you can put the wreck behind you.

Here are some tactics insurance companies use to take advantage of your desire to settle your claim quickly:

  • Conducting Surveillance—if you think that the insurance adjuster is taking you at your word and relying upon your medical records to evaluate your claim, you could be mistaken. Often, adjusters conduct surveillance of a claimant to see if their daily activities are consistent with the injuries reported.
  • Changing Adjusters—insurance companies change adjusters assigned to a claim for many reasons. This most often happens when a claim becomes more complex than it originally seemed or the claimant hires an attorney. Regardless of the reason provided, it is still a way for the insurance company to buy time while a new adjuster learns the file.
  • Requesting Additional Information—just when you think that you’ve jumped all of the necessary hurdles to get an offer from the adjuster, a request for additional information comes in the mail—more than a month after you submitted all of your documentation. This is a delay tactic to give the adjuster more time to consider your claim, while you are tasked with gathering additional information.

If you or anyone you know has been involved in an auto accident, contact a board certified personal injury attorney to evaluate your potential claim.

Visit our website next week for part four of the Inside the Insurance Companies series.