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Understanding the Tactics Insurance Companies Use to Deny Car Accident Claims

When you’re involved in a car accident, your first step might often be to contact your insurance company. After all, they’re supposed to be there to help you through such challenging times, right? Unfortunately, this isn’t always the case. Insurance companies are businesses aiming to minimize expenses and maximize profits, and one of their strategies may involve denying car accident claims. As a seasoned car accident lawyer, I’d like to shed some light on common reasons insurance companies use to deny claims.

1. Claiming the Accident Was Your Fault

One of the most common tactics employed by insurance companies is blaming the victim. By shifting the blame onto you, they can attempt to reduce or completely deny your compensation. It’s essential to gather ample evidence at the scene of the accident to counter such allegations.

2. Arguing Over Medical Treatments

Insurance companies may argue that your medical treatments were unnecessary or overly expensive. They might claim that your injuries were pre-existing and not a result of the accident. To avoid this, ensure all your medical records are thorough and clearly link your injuries to the accident.

3. Discrediting Your Claim Due To Lack of Evidence

A lack of proper documentation of the accident can lead to denial of your claim. Always document everything related to the accident comprehensively, including photos of the scene, eyewitness testimonies, police reports, and all medical records.

4. Delaying the Claims Process

Another tactic is to delay the claim process until you’re desperate enough to accept a lower settlement. To counter this, follow up on your claim regularly and consider involving a car accident lawyer if delays continue.

5. Denying the Claim Outright

Some insurance companies might deny your claim outright, hoping you won’t appeal the decision. If this happens, don’t be disheartened. It’s crucial not to accept the denial as the final decision, especially if you believe your claim is valid. A car accident lawyer can help you appeal the denial and get a fair deal.

6. Lowballing You With an Unfair Settlement Offer

Insurance companies may also offer a low-ball settlement, hoping to get away with providing minimal compensation. Don’t accept this offer without consulting a car accident lawyer first. A lawyer can estimate how much you should be entitled to and help you fight for a fair settlement.

Insurance companies can be intimidating to deal with, and they may use various tactics to deny or reduce compensation. However, you don’t have to accept this behavior. With the right legal assistance, you can make sure your rights are protected and get what you deserve from the insurance company. Understanding these tactics is the first step in countering the challenges thrown at you by insurance companies. However, dealing with insurance claims can be a complex process, which is why it’s beneficial to have a knowledgeable car accident lawyer by your side. At Robert J. DeBry, we’re committed to helping you navigate the intricacies of car accident claims, ensuring you receive the compensation you rightly deserve.

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