How Insurance Companies Avoid Paying Personal Injury Claims in Ocala, FL
Bill Allen | March 28, 2023 | Personal Injury
When you purchase an insurance policy, you expect the insurance company to cover your losses in case of an accident. Unfortunately, insurance adjusters are not always eager to pay out personal injury claims.
In fact, they have a variety of tactics that they use to avoid paying out claims. In this blog post, we will explore some of the ways that insurance companies avoid paying personal injury claims in Ocala, Florida.
Denying the Claim
The most straightforward way that insurance companies avoid paying personal injury claims is by denying them outright.
Insurance companies may deny a claim for a variety of reasons, including lack of evidence, a technicality in the policy language, or an accusation of fraud. If your claim is denied, you may have the option to appeal the decision or take legal action against the insurance company.
Delaying the Claim
Another tactic that insurance companies use to avoid paying out personal injury claims is delaying the claim. Insurance companies often drag out the claims process for as long as possible, hoping that the claimant will give up and accept a lower settlement.
By delaying the claim, insurance companies can also put pressure on the claimant to accept a settlement quickly before they have had a chance to fully understand the extent of their injuries.
Lowball Settlement Offers
Insurance companies may also present a lowball settlement offer to the claimant. This is an offer that is significantly lower than what the claimant is entitled to. Insurance companies do this in the hopes that the claimant will accept the offer out of desperation or a lack of understanding of the full value of their claim. It is important to remember that you do not have to accept a settlement offer that you believe is too low.
Blaming the Accident Victim
Insurance companies may try to blame the victim for the accident or injury. They may argue that the victim was partially or fully responsible for the accident, which can significantly reduce the amount of compensation that the victim is entitled to.
Insurance companies may also try to downplay the severity of the victim’s injuries or claim that the victim did not seek proper medical treatment.
Requesting Unnecessary Information
Insurance companies may request unnecessary information from the claimant, such as medical records or a recorded statement. They may use this information to try to find ways to deny the claim or reduce the amount of compensation that the claimant is entitled to.
It is important to remember that you are not obligated to provide unnecessary information to the insurance company.
Insurance companies may use surveillance to try to discredit the claimant’s injuries. They may hire private investigators to follow the claimant and record their activities, hoping to find evidence that contradicts the claimant’s account of their injuries or the severity of their condition.
Making It Difficult To File an Insurance Claim
Insurance companies may make it difficult for the claimant to file a claim in the first place. They may require extensive paperwork, medical records, or other documentation before they will consider the claim. They may also require the claimant to jump through hoops, such as getting multiple estimates for car repairs, before they will pay out on a claim.
Ocala Personal Injury Attorneys Are Ready To Help You Negotiate With Insurance Companies
Insurance companies use a variety of tactics to avoid paying personal injury claims in Ocala, FL. Some of these tactics include denying the claim, delaying the claim, offering a lowball settlement, blaming the victim, requesting unnecessary information, using surveillance, and making it difficult to file a claim.
If you are involved in an accident and are dealing with an insurance company, it is important to understand your rights and to seek legal advice if necessary. Remember, the insurance company’s main priority is to protect their bottom line, not to ensure that you receive fair compensation for your injuries.
Contact Our Ocala Personal Injury Law Firm in North Central Florida
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