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Why You Must Hire Auto Accident Attorney Huntington Beach
Ever wonder why you must hire an auto accident attorney huntington beach if you’re going to pursue an insurance claim? Dealing with the insurance companies is probably necessary to obtain proper compensation if you were hurt in an accident that was someone else’s fault. Sadly, this is seldom a simple process, and many insurance providers make it far more challenging than necessary.
The insurance firms employ a number of strategies to underpay injured victims and reject their insurance claims. Some of these strategies are acceptable, but others are not. It’s crucial to understand what to anticipate if you have a claim, and it’s better to have a skilled auto accident attorney huntington beach on your side. They will assist you in settling your case and protect you against these tactics commonly used by insurance company.
They’ll Avoid Making Calls to You Within a Week After the Accident
Within a week of the accident, if you haven’t heard from an adjuster, it may be a sign that the insurance provider is understaffed, isn’t paying attention to your claim, or that the at-fault party has no insurance at all. If a week goes by and you haven’t heard from an insurance adjuster, or if they won’t return your call, the insurance provider might be using unethical claims-handling procedures.
They are Trying to Put The Blame on You
One of the first things an insurance company will do when you contact them about your accident is try to persuade you to give a statement for the record. The explanation is straightforward: To be able to use your own words against you, the insurance company wants you to confess fault. You are free to speak with the adjuster as much as you like, but be prepared for him to ask you probing questions in an effort to persuade you that the accident might have been your fault.
On the safer side, never allow anyone to record you. Before making a statement, you should first consult with an auto accident attorney huntington beach. As a result of the police report, witness accounts, and the wrongdoer’s report, the majority of adjusters are already aware of how the collision happened. If you want to give your statement anyway, be sure to consult with your attorney beforehand and have them by your side.
The Adjuster Refuses to Admit That Their Client Is at-Fault
On the flip side, they might also refuse to admit that their client is the one that’s responsible. It’s crucial to be clear about who has been found to be at-fault when settling a dispute. You should ask for a document saying that the person his company insures was at fault and caused the incident if the insurance adjuster is trying to avoid this.
Ask the adjuster to explain in writing why you or someone else is partially at fault if the adjuster does not think that the insured was entirely at fault. Any inquiries regarding California’s comparative fault statutes should be directed to a competent attorney to avoid any misunderstandings.
Blaming You or The Victim For Their Injuries
The idea that accident victims are responsible for their own injuries is another prevalent insurance defense strategy. One of the most typical ways insurance companies accomplish this is by asserting that accident victims put off seeking medical attention for too long. Many of your charges might have been avoided if you had sought treatment sooner, therefore they are your responsibility, not the insurance company’s.
Never fall for this trick. Attempts to blame accident victims for their own injuries are frequently untrue, just like attempts to persuade accident victims to confess fault. They are merely ill-founded attempts to deny victims the just compensation they are due. Your auto accident attorney huntington beach will also do their best to debunk the insurance company’s strategy.
The Adjuster Wants You to Use Their Doctor or Sign a Written Medical Release Report
This may be challenging. The majority of insurance providers need you to sign a “general wide-open release.” Before signing anything, we advise contacting legal counsel. Obtaining competent advice never hurts and could save you from handing away important legal rights.
Before having an independent medical exam (IME), often known as a doctor’s examination by the insurance company, you should also speak with your auto accident attorney huntington beach. Your lawyer is there to help you avoid certain legal pitfalls, so take use of them.
They Intentionally Delaying Your Case
The insurance adjuster might use one of the following strategies to drag out your case in order to obtain a smaller settlement:
- Even if you have already given them certain medical records, they will still request more. Insurance firms will take advantage of the fact that it takes time to obtain these records by exploiting this fact
- They will claim that in order to make you a better offer, they need to consult with a supervisor who has greater settlement authority. And they will undoubtedly take their sweet time. They probably want you to accept the lower payment rather than delaying for several weeks or months in order to receive a modest raise
- They might also assign a different adjuster to handle your case. As the new adjuster gets acquainted with your case, this could cause a delay in your case. It will also take longer time and patience for you to get the settlement you need
Lying About the Insurance Coverage That is Available
You cannot rely on the insurance provider to inform you of the extent of the coverage when you file an insurance claim. This is true for many types of coverage, including rental car insurance (insurance firms frequently book the least expensive vehicle available even though you paid more) and bodily injury liability insurance (insurance companies frequently assert they aren’t authorized to disclose the applicable policy limitations). To determine how much coverage is available to you, you should study your policy on your own or consult with a auto accident attorney huntington beach rather than depending on the insurance company.
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