After an accident, you will likely need financial support for your injuries, medical bills and lost wages. Filing a personal injury claim, however, is often complex. The last thing you need is the insurance company, making the process even harder.
The at-fault party’s insurance company typically pays for the physical, emotional and financial damages sustained by the injured. This type of claim usually involves large sums of money, so they might hesitate to offer you a reasonable settlement.
Insurance companies are not your friend
There are signs that the insurance company is trying to dispute your claim, such as:
- They deny liability: In Ohio, a “comparative negligence” system applies, which means reduced compensation if you were partially at fault in the accident.
- They request excessive documentation: While proof of your injuries and damages is necessary, excessive requests can be a stalling tactic.
- They downplay your injuries: This could involve questioning your doctor’s diagnosis or suggesting preexisting conditions caused the problems.
- They offer a low settlement early on: A lowball offer soon after the accident suggests they want to settle cheaply before you understand the full extent of your damages.
- They delay communication: Unreturned calls and slow responses can be frustrating can be a tactic. They might hope you give up if communication drags on.
- They try to shift blame: They might find ways to shift some blame to you, such as scrutinizing your actions before the accident or using social media posts against you.
These tactics have one primary goal: to minimize payout. So, if you recognize these signs after filing a claim, it is wise to take appropriate action immediately.
You deserve compensation for your pain
If you suspect the insurance company is making things difficult, consulting an experienced attorney is in your best interest. They can fight for fair compensation and handle communication with the insurance company. After all, you should not have to suffer financially due to someone else’s negligence.
