What To Expect From An Insurance Company After An Accident
Michael Babboni
Insurance Coverage
No matter how major or minor an automobile accident is, you will have to work with your insurance company. Anytime you make a claim with your insurance company, they will assign you a claims adjuster to handle your case. Though the claims adjuster may seem nice, you need to always remember they represent the insurance company and will do everything they can to protect their interests. They will work against you even when you are the victim of the accident.What Happens When You File A Claim
Immediately following an accident, you will need to call your insurance company as soon as you can. The insurance companies only need to know the basic facts including:
● Where and when the accident happened
● Who was involved in the accident
● Information about the other driver and their insurance company
● If there were any witnesses who saw the accident
● If a police report was filed
● A basic description of the details of the accident
● Whether or not you are injured
This information will help them open an investigation for a claim. Remember what you say at this time is very important. The insurance company records every detail and can and will use anything you say against you. So just stick to the very basic facts and never admit fault or talk about your injuries.
What Happens When You Work With An Insurance Adjuster
Once your case is open, your insurance company will assign you an insurance adjuster. Insurance adjusters are very nice people, they will listen to you and ask what seem like helpful questions. However, insurance adjusters are investigators that work for the insurance company. Their primary job is to reduce the amount of money the insurance company has to pay out. So they will use a lot of dirty tricks to achieve that goal.
Common Tricks Insurance Adjusters Use To Get Out Of Paying A Fair Settlement
Insurance adjusters aren’t just trained in calculating insurance claims, they are trained to trick people out of getting a fair settlement. Some of the most common tricks we’ve seen include:
● Offering a fast settlement on expensive injuries knowing that once you accept, you cannot receive more benefits
● Avoiding your calls in hopes you get frustrated and settle quickly, or worse, have your claim lapse because of the statute of limitations
● Ask repetitive questions to try to catch you saying something different
● Accuse you of fraud to put you on the defense and accept a lower settlement
● Trick you into signing “routine paperwork” that closes your claim
● Lying about having evidence showing your injuries are not as severe as you claim
● Lying about what your benefits actually cover and the maximum amount you can receive
These tricks are just the beginning. They will do whatever it takes to keep from paying you what your injuries are really worth.
Do I Really Need An Attorney For My Auto Accident If I’m Innocent?
In our nearly 30 years of working with St. Petersburg auto accident victims, we have seen innocent people lose their claim and become financially ruined because of the tricks insurance adjusters pull. We know how to protect victims from insurance adjusters and insurance companies know Michael Babboni. They know that if he has taken your case, they can’t pull their dirty tricks because he has seen their entire playbook. Once you hire him, he will take over all communication with the insurance company. Not only will this save you the headache of trying to navigate the claims process yourself, but will protect you from their deceit.
You don’t have to face the insurance adjusters alone, you have an ally. Michael Babboni will fight for your right to a fair settlement all the way to court if needed. Call him today at 727-381-9200 for a free consultation and to learn how he helps victims of auto accidents just like you.