Ways That Insurance Companies Try To Catch Accident Victims When Off-Guard

Insurers check to see if a new claimant has hired an attorney. If that check shows that the same claimant has not retained a lawyer, then the adjuster that has received the filed case becomes aware of that particular fact. Hence, the same adjuster could try to pose misleading questions, when speaking with the man or woman that has failed to secure legal representation.

Often adjusters pose their inquiries while displaying a misleading attitude.

An adjuster’s friendly tone could mask the nature of the adjuster’s goal. That goal would entail finding a way to limit the size of the insurance company’s pay-out.

Sometimes a seemingly friendly question might actually be a probing one. For instances, the query, “How are you?” could be a trick. It could be an effort to elicit a response such as, “I’m ok.” Adjusters’ experiences have taught them how to twist such a response, and to suggest that it implies the absence of any serious physical or mental problems.

At other times an expression of concern could hide the fact that the adjuster desires more details on how the accident took place. By appearing concerned, the caller/adjuster might encourage a claimant/victim to produce a lengthy statement.

A misleading request might follow a question.

At times, adjusters’ requests for a statement sound like a demand. The person that has heard such a request could feel that the same statement must be given within in short space of time. Actually, all victims have a right to wait and offer their statement at a time when their Personal Injury Lawyer in St. Catharines can be present, as well.

The same approach might be used during an adjuster’s attempt to have the claimant sign a medical release form. That signature should not go on a general release form. Instead, the claimant’s legal counsel should provide the insurance company with no more than the client’s relevant medical records.

Even misleading suggestions could catch an accident victim unawares

Sometimes, adjusters suggest that the initial offer is the only one that the victim should expect to receive. Victims that are not familiar with the negotiating process might accept that suggestion as the truth. Unfortunately, it is not, and could mislead them. So,that suggestion could push the claimant/victim to accept that initial bid.

Any victims that have been living with a pre-existing condition might hear a different suggestion. One of the adjuster’s suggestions might be that someone with a pre-exiting condition could not have a legal basis for a personal injury claim. In fact, that would not be the case. According to the law, anyone that has demonstrated negligence can be held accountable for an injury to any affected individual, regardless of that same person’s medical history.

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