Insurance companies spend a fortune on advertising and marketing in an effort to convince people that they care. Even their slogans imply that they are your friends. No matter what type of insurance you have, the company underwriting it wants you to think they have your best interest at heart. The main issue with this is that oftentimes it’s not true. Many insurance companies do everything they can to pay as little as possible to those making a claim. If you want to prevent this from happening to you, you need to know the most common tactics used by insurance companies. To protect yourself, you should also consider hiring professional Miami public adjusters if you live in Miami.
The following are the tactics they use to limit liability and a brief guide on how you can deal with each one:
- Recording interviews
When you file a claim, you will get a call from your insurer and they will tell you that the conversation will be recorded. It may seem harmless enough and they will give you all kinds of reasons why they are recording it. But the truth is, it’s part of a strategy that is designed to get you on record to say something that they can use later on to deny your claim. Do not allow yourself to be interviewed.
- Medical releases
Insurance adjusters (working for the insurance company) will ask you to sign a broad medical release, which is actually a tactic they use to try to tie any injury you have to a pre-existing medical condition. If health issues are involved, make sure that the release you affix your signature on covers only hospital or clinic visits related to the incident.
- Doctor examinations
The insurance provider will often want to get their own doctor to examine your injuries. This may or may not be a trap, and the only way to be certain is to call your lawyer before agreeing to go with it.
- No need for a lawyer
They will sometimes advise you against getting a lawyer. They will say that a lawyer will only take a large percentage of your settlement and will assure you that your claim will be evaluated fairly. This is just a ploy. Call an attorney and request for a free consultation.
- Quick settlement
Some adjusters will offer you a quick settlement which may seem like a great deal at first but oftentimes their only intention is to get the case resolved at the least cost possible.
Some insurance companies use avoidance as a tactic to try to frustrate you until you eventually give up. Don’t fall for this trick. Remain alert and hire a lawyer to keep them on their toes.
It’s a sad reality but these tactics have become all too common nowadays. Protect yourself by practicing due diligence and being alert for any dirty tricks they might try to play on you.