5 of the Spookiest Things Your Insurance Company Might Do
1. Not offer UM/UIM insurance, or explain to you what you’re rejecting by rejecting this coverage
An uninsured motorist or underinsured motorist insurance is something your insurance agent when you’re first buying a plan ,might not even cover with you. Or, they might gloss over it as a way to offer you the least expensive plan possible. The problem is that NOT having this kind of coverage will come back to haunt you! If you are in a bad accident and the person responsible does not have insurance or doesn’t have enough insurance coverage to cover all of your damages, then you will forever be limited in how much compensation you will be able to obtain for your injuries.
2. Not tell you what policy limits mean
By law, drivers are required to carry only $25,000 minimum in policy limits. Many times, your agent may tell you that’s all you need! But it’s a trick, not a treat. Policy limits have not been increased for decades, so they do not account for inflation. If you have just $25,000 in policy limits, and you are sent to the ER following an accident, that visit alone may take up most of your policy. Any future medical expenses needed for your injuries will, therefore, have to come out of your own pocket, as your insurance will not cover it. Spending a little extra on your monthly insurance could save your financial stability in the future if you are ever injured in an accident.
3. Record your statement immediately after the crash, before you have a chance to speak to an attorney
The insurance company is counting on being able to get you on the record before you even have a chance to realize what’s happened following a bad accident. By law, you have 15 days before you have to give a recorded statement to the at-fault insurance company. This will allow you time to seek a free consultation with an attorney to get advisement on your rights. It also gives you a chance to assess the extent of your injuries, the reality of whether you will be missing work due to the accident, and any other aftermath that might creep up on you following a crash. Preserve all of your rights, and be sure to seek counsel before you give a statement to any insurance adjuster.
4. Not encouraging you to seek medical treatment when you need it
The first thing McDivitt Law Firm tells our clients is to make sure they are seeking complete medical treatment for their injuries if your Doctor recommends it. This is not the same advice you will get from the insurance company. Your insurer does not want to be on the hook for your extensive medical bills following your injury, so they will not advise you to make sure to see a doctor or a specialist even though you might really need it. They hope you’ll submit just the minimum medical bills and settle your case before the long-term effects set in. Don’t let these injuries continue to sneak up on you without ensuring financial compensation for them. Be sure to take care of yourself, have all of your injuries assessed, and seek all of the medical treatment your Doctor recommends before settling with the insurance company. An experienced attorney will help guide you through this process to make sure your care is complete and your bills are covered.
5. Your insurance adjuster will disguise as your friend Insurance adjusters are trained to make it sound like they are on your side.
They will express sincere concern for you, but they are hiding their true motives. Your insurance company uses your adjuster to try to settle your claim as soon as possible for the least amount of money as possible. McDivitt Law Firm’s legal team pulls the mask off of these tactics and represents our clients’ best interests. Don’t get deceived by the insurance company after an accident. Hire an experienced attorney to deal with them for you. McDivitt Law Firm scares away insurance companies and makes sure our clients are protected and taken care of.Back to the Blog