Insurance company employees are not bad people. The adjuster who visits you or the agent who calls you may have genuine compassion for you and a desire to help you during your time of need.
Unfortunately, their good intentions are no substitute for the financial resources you need in the wake of a car accident. After all, their kind words are not going to pay your medical bills or make sure you have money to feed and house your children. The objective of the insurance company itself is to pay out as little as possible. When faced with a choice between your care and their profit, they will not hesitate to choose their profit every time – and their internal policies and procedures reinforce that preference.
One of the first things the insurance companies will do is attempt to settle quickly, hoping that your desire to put this behind you will cloud your judgement, or that external financial pressures (mounting medical bills, time missed from work, etc.) will force you to accept short money in order to make ends meet. The truth is a quick settlement is almost always in their best interest; not yours. These settlement offers often come before the full extent of an accident victim’s injuries are known. How can you ensure that a settlement is adequate if you do not understand the full extent of your injuries and the expected future costs of your medical care? You can’t.
As you continue your post-accident treatment, they may call you periodically to check in and see how you are doing. Once again, they are doing this for their own benefit. They are hoping that you will say you are doing okay, everything is fine, or that you are feeling better. They will then use those statements against you to rule out damages for subsequent medical care and to pressure you to settle your case. Like with police officers and debt collectors, when talking to adverse insurance company adjusters, anything you say can, and will, be used against you.
To help navigate these and other insurance claim pitfalls, you need someone looking out for you – and only you – after an accident. That is why it is so important to choose an experienced personal injury attorney to assert your rights and obtain the full compensation you deserve for your injuries.