Protect Yourself from Insurance Companies and Their Lowball Offers

Like any business, insurance companies are focused on the bottom line, and unfortunately, many attempt to maximize profits at their customers’ expense. Whether you’re experiencing radio silence from claims adjusters, being pressured to accept a lowball offer, or facing other unethical tactics, knowing you have rights is important.

Here are a few common ways insurance companies try to manipulate personal injury victims—and how you can level the playing field and protect yourself.

Do Not Accept Immediate Settlement Offers

Be wary of insurance claims that arrive too quickly and lack sufficient records.

While a fast settlement offer may seem convenient, insurance companies also use it to minimize their payout before the full extent of damages and injuries is revealed.

Quick offers that come within days of filing are a good indicator that the insurer hasn’t:

• Fully investigated your claim
• Assessed all potential damages
• Considered the long-term consequences of damages

In these situations, do not accept the first offer. Take time to gather documentation related to damages and injuries, and contact our experienced personal injury team for guidance.

Do Not Give Into Pressure

Insurance companies know that most people lack the patience, knowledge, and experience to push back on insufficient settlement offers. Because of this, claims adjusters may place undue pressure on you to accept by:

• Claiming the offer may expire
• Suggesting that failure to accept could result in no compensation at all
• Arguing that you are exaggerating your injuries
• Overwhelming you with complex legal jargon
• Claiming certain damages aren’t covered when they are

If you struggle to understand insurance offers or feel pressure to accept an unfair settlement, contact us immediately.

Consult with an Attorney

Don't be fooled if an insurance company claims their settlement offer will expire before you have time to consult with an attorney. This is a pressure tactic, not a reality.

Insurance companies do this to prevent informed decision-making. Claims adjusters are typically trained negotiators and know that keeping you from legal counsel ensures they maintain the upper hand.

Take your time, gather the appropriate documentation, and seek legal advice from one of our experienced personal injury attorneys.

Maintain Detailed Records

Insurance companies often claim that your injuries result from a pre-existing condition. This is why it is so critical to maintain detailed records that validate your injuries. If you were injured:

• Take photos of your injuries
• Gather copies of all medical tests that substantiate your injuries
• Ask your doctor to write a statement that says your injuries appear to be caused by the recent incident
• Make a detailed list of your injuries, including how they impact your daily life

We Protect You From Unscrupulous Insurance Companies

Don’t let your insurance provider bully you into accepting an unfair settlement offer. At Jorgensen, Brownell & Pepin, P.C., we will negotiate on your behalf, protecting you from pressure tactics and misleading information. We’re committed to leveling the playing field and fighting for the total compensation you deserve. Contact us today!