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How Insurance Companies May Try to Mislead Car Crash Victims

September 24, 2023 Car Accident

A car crash is a devastating and traumatic event, leaving victims vulnerable and seeking support from their insurance providers. While insurance companies present themselves as reliable partners during such times, it is important for car crash victims to understand that these entities are profit-driven corporations. You should speak with an experienced car accident attorney in Georgia to maximize your compensation and protect your legal rights. 

Deceptive Tactics Used by Insurance Companies

Swift Settlement Offers

Following an accident, you may be presented with quick settlement offers from insurance companies. While these offers might seem tempting, they often fall short of covering the full extent of damages. Insurers strategically capitalize on victims’ urgency for financial relief, luring them into settling for less than they deserve. Accepting a hasty settlement might preclude you from seeking additional compensation, even when your injuries or damages escalate.

Downplaying Injuries

Insurance adjusters may resort to downplaying the seriousness of victims’ injuries. They might attribute your injuries to pre-existing conditions or insist they are minor, aiming to diminish the compensation owed. This tactic not only undermines your suffering but also weakens your negotiating position.

Shifting Blame

Blaming the victim for an accident is a tactic aimed at reducing the insurance company’s liability. Adjusters may mine statements from the accident scene, scour social media posts, or delve into your medical history to find evidence that can be used against you. This strategy shifts the focus away from the insurer’s responsibility and places it squarely on the victim.

Delay Tactics

Protracted delays in processing claims are another weapon in the insurer’s arsenal. These delays can lead victims to accept lower settlements out of sheer frustration or financial necessity. By wearing you down, insurance companies seek to extract maximum savings from the situation.

Discouragement by Paperwork

Insurance adjusters may bombard victims with requests for extensive documentation, including medical records, accident reports, and other paperwork. This barrage of demands can be overwhelming and discourage or deter you from pursuing rightful compensation.

Multiple Medical Examinations

Some insurance companies may request that you undergo multiple medical examinations by their preferred doctors. These doctors might downplay the severity of injuries to align with the insurer’s interests, which can result in lower compensation offers. You should seek independent medical opinions to ensure accurate assessment of their injuries.

Lowballing Property Damage Claims

While focusing on injuries, you may overlook property damage claims. Insurance adjusters routinely undervalue repair estimates, leading to inadequate compensation for repairing or replacing vehicles.

Using Recorded Statements Against Victims

Insurance adjusters often record conversations with victims and then selectively use these statements to their advantage. Recordings can be taken out of context or misinterpreted to weaken a victim’s claim.

Misinterpreting Policy Language

Insurance policies are legal documents, and adjusters may exploit their complex language to misinterpret coverage limits or exclusions. Victims might be misled into believing they are not entitled to compensation when, in fact, they are.

Pressure to Settle Preemptively

Insurance adjusters may apply psychological pressure to get you to settle quickly by implying that compensation amounts may decrease if you seek legal representation. This coercive tactic can lead to victims making uninformed decisions.

Withholding Full Compensation Information

The Insurance company may not fully disclose all avenues of compensation available to victims. You may miss out on potential sources of recovery, such as medical payments coverage or uninsured motorist coverage.

Denying Liability

Insurance companies might dispute liability for the accident, even when evidence clearly indicates that it is their policyholder’s fault. This delays the claims process and forces victims to fight for rightful compensation.

Reducing Non-Economic Damages

Non-economic damages, such as pain and suffering, emotional distress, and loss of enjoyment of life, are often difficult to quantify. The insurance provider may employ tactics to undervalue or trivialize these damages.

Unmasking the deceptive strategies of insurance companies is essential for car crash victims seeking equitable compensation. By partnering with legal experts and remaining vigilant throughout the claims process, you can combat these tactics and secure the compensation you deserve. 

Legal Safeguards for Car Crash Victims in Atlanta

Georgia’s legal framework provides essential protections against deceptive tactics and unfair practices that insurance companies may employ.

  • Georgia Personal Injury Laws: Laws related to personal injury claims and compensation for car crash victims fall under Georgia’s personal injury laws. These laws govern the process of seeking compensation for injuries sustained in accidents.
  • Georgia Unfair and Deceptive Acts and Practices (UDAP) Act: This is Georgia’s equivalent of a consumer protection statute that addresses unfair and deceptive practices in trade and commerce, including insurance transactions.
  • Georgia Bad Faith Claims: Georgia law recognizes the duty of insurance companies to handle claims in good faith. Victims who believe they have been unfairly denied or inadequately compensated may have grounds to file a bad faith claim against the insurer.
  • Georgia Insurance Code: This code encompasses various laws and regulations related to insurance practices in the state, including those governing claim handling, settlement practices, and insurance contract requirements.

Protecting Yourself Against Misleading Tactics of Insurance Adjusters

Being aware of insurance companies’ potential misleading tactics is essential for car accident victims seeking fair compensation. These are a few steps you can take to protect your legal rights: 

  • Consult an attorney
  • Avoid quick settlements
  • Document thoroughly
  • Be cautious of statements
  • Don’t rush the process

By having a skilled attorney on their side and staying informed, victims can protect their rights, secure just compensation, and navigate the claims process with confidence.

Get Experienced Car Accident Lawyers on Your Side

When it comes to protecting the rights of injured victims after a car accident, the seasoned personal injury attorneys at DuBose Miller are equipped with the knowledge, resources, and determination needed to counter insurance companies’ unfair tactics. 

Our attorneys are here to help you understand all available legal options and take the necessary steps to maximize your compensation. To request your free, no-obligation consultation, call us at 404-720-8111 or complete this online form