If you are involved in an accident, whether a crash, a slip-and-fall, or any personal injury incident, it is crucial to understand insurance companies’ role in these situations. You will probably encounter insurance company agents, and while they may seem like helpful allies, they often prioritize profits over your well-being.
Profit as the #1 goal
Like most people, insurance agents have jobs. A significant part of their job is to save their employer money. These are businesses; like all businesses, they need profit to survive. It’s disappointing to hear this, but many insurance adjusters will try to minimize payouts to claimants, no matter how nice they are to you.
What you say can be used against you
Perhaps you only heard about statements being used against a person when they are arrested and tried for an offense. Still, it is actually true that anything you say to an insurance agent or adjuster can, and probably will, be used against you. This can happen during negotiations or trial.
Using time as a weapon
Most people do not have the resources to wait to fix their lives after a car accident. Most individuals need to get on with their lives, and with that come expenses, like medical, loss of income, repair of the vehicle or at least paying a deductible, and more. Insurance companies know this; sometimes, they delay the process, hoping you (or your attorney) will settle for less money.
The importance of legal representation
Having an experienced personal injury attorney by your side can make a significant difference in the outcome of your case. An attorney understands the tactics that attorneys use, and they understand how to protect you. Having an attorney is almost always the very best path.