In theory, when an individual suffers a personal injury because of someone’s negligent conduct, the negligent party’s insurance company should compensate the victim. But in many cases the reality works quite differently. Delays, denials, and other bad faith practices unfortunately abound.
Understanding the tactics that insurers use to contest your personal injury claim is half the battle. The other half is retaining an experienced law firm that knows how to fight for the compensation you deserve. For personal injury victims in Syracuse, that firm is Carden Dotzler Hammond, PLLC.
Common Examples of Insurance Pushback
Although the at-fault party’s insurance company should be honest with you when it comes to processing your claim, you are more likely to receive pushback. That’s because insurance companies know if they can wear the victim down through various bad faith tactics, they may accept an unfair offer out of frustration. Examples of such tactics are:
- Disputing the validity of the claim: The insurance company may tell you that your claim isn’t valid, perhaps even challenging whether you were injured at all.
- Disputing the seriousness of your injuries: Likewise, the insurer may not agree that your injuries are all that serious, and try to convince you they are not worth much.
- Delaying the claims process: Whether by delaying communication with you or by dragging their feet with your claim, the insurer may try to frustrate you.
- Making unreasonably low settlement offers: Insurers often hope that Syracuse accident victims will accept absurdly low offers just to be done with the process.
- Using pressure tactics: The insurer could try to pressure, manipulate, or even threaten you into accepting a low settlement amount.
- Denying your claim: Ultimately, the insurer may deny the claim and tell you it is closed, hoping you go away.
How You Can Fight Back
Although these and other disreputable insurance strategies are annoying, the good news is that you have options. If you were in an accident in Syracuse, you do not have to accept what the insurer says or does as the final word. Here are some ways to fight back.
Document as much as you can
One of the best ways to resist dishonest insurance tactics is to document as much about your injury as you can. Take pictures of the accident scene, talk to witnesses, keep your medical bills and lost income records, and make notes about the accident and its effects on your life. This way you can refute the insurer’s arguments against you.
Be mindful of comparative negligence claims
Insurers often blame victims for partially causing their own injuries. Under the doctrine of comparative negligence, a court will assign a percentage of fault to a Syracuse accident victim who was partially responsible for the accident. The court will then reduce the damages accordingly, which gives insurers an incentive to try to dispute your version of the accident.
Keep seeing your doctor and following treatment recommendations
You need to see a doctor immediately after being in an accident, and follow their recommendations. You will jeopardize your health if you don’t take your medicine, limit physical activity, and see specialists. Moreover, you will give the at-fault party’s insurance company an excuse to blame you for aggravating your injuries, so they will offer you less money.
Retain an experienced Syracuse personal injury lawyer
Having an attorney is critical to investigating the underlying facts of your accident, obtaining evidence, and negotiating with the insurance company. A knowledgeable lawyer will also understand the value of your injuries and how to prove the necessary elements of a lawsuit. Finally, your attorney should be ready to take your case to trial if the insurer refuses to fairly negotiate.
Before you speak with the insurance company, but especially if you have already submitted a claim and you are receiving pushback, talk to the trusted legal team at CDH Law. Connect with us now to get started.