Sarnia personal injury lawyers are used to dealing with insurance companies. Their time as professionals has helped them observe the tricks insurers use to rid themselves of liability. This article will explain some of them.
WHY DO VICTIMS NEED TO KNOW THE TRICKS OF INSURANCE COMPANIES?
The strategies that insurance companies use alter the compensation victims can receive. Some of them tie the victim to what they have already said, others manipulate the medical records of the injuries and the accident form.
Insurers will try by all means to reduce or eliminate their liability for damages in order to save money. Their strategies do not benefit their policyholders, on the contrary, they harm them.
WHAT TRICKS DO INSURANCE COMPANIES USE TO AVOID PAYING COMPENSATION?
THEY ASK LEADING QUESTIONS IN THE INTERVIEW THEY HAVE WITH THE VICTIM AFTER THE ACCIDENT
After an accident occurs, the insurer interviews the victims. They ask the victim to mention the injuries they are feeling and the symptoms they are facing. The victim, dazed because of what has happened, states those that are easily identifiable.
But some injuries are simply unknown to them because they are not a medicine expert and some of these injuries have not emerged yet.
After that, if the case goes to trial and the victim reveals all of their injuries, the insurer will accuse them of lying because some of these injuries were not mentioned in the initial interview conducted after the accident.
THEY DECREASE THEIR INITIAL OFFER ACCORDING TO THE OFFENDER’S REPUTATION
Another of the secrets that insurers have up their sleeves is that, generally, they rely on the reputation of the lawyer to determine the amount initially offered to the victim.
For example, if the victim has hired an experienced attorney, the insurers will be aware that the attorney will fight if they do not give the affected person a good initial proposal. So they try to raise the amount of compensation higher than they would usually offer. But the opposite is also true.
If the victim is not counseled, they will propose an amount well below what they would offer to someone with legal advice of any kind. This is why insurers try to establish a case before the person hires an attorney because if they do hire one, they are going to have to offer higher compensation right away.
THEY USE THE DETAILS OF THE ACCIDENT REPORT AGAINST THE VICTIM
After an accident occurs, there are a series of records that indicate what happened in the accident and the damages suffered by the victim as a result.
Most victims think that they need insurers to know all these details in order to receive proper compensation, and that’s true, they need to know these details. But insurers use the details of the records to look for any excuse that implies that the victim was to blame for the events, which would remove their responsibility for the payment.
THEY INDIRECTLY MANIPULATE MEDICAL RECORDS
If a man is the victim of an accident, he should tell everything he feels to the doctor; all his injuries, those that seem relevant, and those that do not.
If the man does not speak about all his injuries right away,the insurer will have the opportunity to say that the injury that was disclosed later was not part of the accident, but that it was caused at the time it was reported and the victim wants to include it in the accident.
PERSONAL INJURY LAWYERS IN Sarnia OVERCOME INSURERS’ TRICKS
Insurance companies use various tactics to try to free themselves from any blame. That is why Sarnia personal injury lawyers are trained to help all victims handle them.
The tricks of insurance companies are not seen with the naked eye. Only an experienced lawyer can detect them and only a good law firm can spot them out.