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You are here: Home / Blog / 4 Things Car Insurance Companies Don’t Want You to Know

4 Things Car Insurance Companies Don’t Want You to Know

January 8, 2021 by Christopher

While insurance adjusters are usually friendly and seem very genuine, the truth is that their goal is to minimize your claim and pay you as little as possible.

If you’ve ever watched an ad for a car insurance company, you may think that filing and getting compensation is a walk in the park. While insurance adjusters are usually friendly and seem very genuine in their desire to help you, the truth is that their goal is to minimize your claim and pay you as little as possible. Insurance companies are for-profit businesses, and they use many tactics to scare victims into accepting a low-ball offer. 

insurance adjuster examining car damage

Insurance Companies Will Try to Convince You That You Need to Offer a Recorded Statement

If you were in a car accident, you might get a call from an insurance adjuster, claiming that you need to give a recorded statement about the incident. Although they might make it look that these statements are mandatory, the reality is that you generally have no legal obligations to give one. Adjusters are trained to ask trick questions and use your answers against you to reduce or even deny your claim. 

The Three D’s

Insurance companies know that victims are often under a lot of pressure to pay their medical bills or other expenses and take advantage of this stress. One of the most common tactics they used to reduce or deny a claim is the three D’s – delay, deny, and defend. 

Insurance companies often delay your claim, deny that your injuries were caused by the car accident, or are as serious as you claim them to be, and are ready to defend their position. 

They Assign You a Team of Adjusters

Another tactic insurance companies use is telling you that they’ve assigned a team of adjusters to work on your case. That might sound great, but the fact of the matter is that they can stall and affect your claim. 

A team of adjusters usually has very little authority and has to run everything through their superiors, meaning that communication is slow and tedious. 

A Lawyer Can Help

Many people wrongly assume that they can handle their car accident claim by themselves and save money on hiring an attorney. However, car accident victims have a better shot at fair compensation by working with an experienced car accident lawyer.

That’s because car accident lawyers know all the tactics used by insurance companies and have the skills and resources to fight back. 

Speak With an Experienced Attorney

It’s easy to think that insurance adjusters are well-intentioned and eager to help you. After all, they’ve been trained to gain your trust and make you open up to them. But, make no mistake: they will use anything they can to minimize your claim. 

By working with a St. Louis car accident lawyer, you increase your chances of getting fair compensation for your injuries. 

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Filed Under: Blog Tagged With: Car Accident Claims

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    Copyright © 2021 The Hoffmann Law Firm L.L.C.
    The images included on this site are not actual attorneys, events, or clients. The choice of a lawyer is an important decision and should not be based solely on advertisements. The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.Attorney Chris Hoffmann handles car and truck accident claims throughout Eastern Missouri and Western Illinois. He represents injured clients in St. Louis, St. Charles, St. Peters, Clayton, East St. Louis, Alton, Hillsboro and Belleville, and other cities in St. Louis County, St. Charles County, and Jefferson Country, MO, and St. Clair County and Madison County, IL.