While getting a settlement offer for your car accident claim in Connecticut is an exciting prospect, accepting the insurance company’s initial offer can be detrimental to your claim. Before you accept any offer, negotiate with the insurer or defense attorney about the settlement offers. But you must not try to negotiate alone. Settlement negotiations should be left to a skilled car accident lawyer. They can give legal advice about how to enforce your rights and what you can expect regarding claim settlement offers.
Common Tactics Insurance Companies Use to Minimize Settlement Offers
- Making a quick offer. Insurers use a lot of tactics to decrease payouts in civil lawsuits. One of these tactics is offering quick lowball settlement offers quickly. As an accident victim, you need to understand your injuries and the necessary surgical procedures to recover your health. While some people may accept these offers, it’s best to negotiate with an insurer.
- Requesting a recorded statement. Another tactic used by insurers is to request a recorded statement from you. If you get such a request, decline it right away. An insurance adjuster will try to use your statement against you or your claim. They may say you failed to seek medical attention for your injuries or that your injuries did not directly result from the accident.
- Challenging your damages. In addition, the adjuster may challenge your total damages. Calculating your economic and non-economic damages will help you better negotiate for a fair settlement. As the insurer may try to undervalue your claim, you must know how to substantiate the calculation of your damages.
- Delaying your claim. The insurance company may delay claims to reduce liability, running the time clock down of legal deadlines that apply to your case. They can delay your claim by requesting additional paperwork and compelling you to submit a claim. Also, the company may not respond to your phone calls or emails on time. A delay in your claim can leave you struggling financially due to the medical bills and lost wages you suffer. In this desperate situation, you might make quick decisions or costly mistakes.
- Denying your claim outright. The insurance carrier may deny your claim to protect their bottom line. They hope that you will give up your claim when they deny it. Your lawyer can discuss your legal options after claim denial. The insurer may say that you failed to fill out the required forms or that the insurance policy of the at-fault driver doesn’t cover the injuries you have sustained.
- Downplaying your injuries. The insurer will fight against your injuries. They might assert that you exaggerated or lie about the severity of your injuries. Also, they may argue that a pre-existing condition caused your injury or that your recovery is shorter than claimed.
How Your Lawyer Can Help
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Insurers usually make accident claims difficult. These companies may wait until they are forced to engage in the claims process. An experienced car accident lawyer can engage the insurer, so they do not take your case lightly. They can handle talks with the insurance company, so you do not say anything that can result in the devaluation of your claim. Also, your attorney can negotiate a reasonable settlement with the company, ensuring all your losses are covered. They can collect related documents and evidence, so they can fight the insurer and strengthen your case. Lastly, they can litigate your case in court if settlement is not possible.
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If you have sustained serious injuries in a car collision, seek legal representation that can strengthen your injury claim. A good attorney will ensure the insurance company cannot take advantage of you or your situation.
