Inside the Insurance Companies – Part 4

by Terry Bryant

Insurance Claims

Insurance Claims: Know who they play they game

This blog post is final installment 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.

Even after the insurance company has extended an initial offer, the claims process continues to be complicated.

Here are some tactics insurance companies use to delay the settlement of a bodily injury claim during the negotiations process:

  • Computer Systems—one reason the insurance companies request so much information is because they input data into a computer system that generates an initial offer. The adjusters are not independently evaluating your claims and are largely aided by their computer systems. This is another reason the negotiations process is important because it gives you an opportunity to bolster your claim with evidence that a computer system is not capable of considering.
  • Verbal Offer—once you get your initial offer from the adjuster, be sure that it is in writing! It is common practice to extend a verbal offer over the phone. Always ask the adjuster to send you a written offer as proof of the verbal offer.
  • Low Offer—initial offers made by adjusters are notoriously low. You are not forced to accept the initial offer and can negotiate with the adjuster. If you have never been involved in the claims process, you do not know what a fair offer would be. This is why the skill of an experienced personal injury attorney can really help you get the settlement that you deserve.

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.

We hope that you found the Inside the Insurance Companies series informative and continue to follow our blog.