Why an Accident Victim Should Never Negotiate Directly with an Insurance Company

Being independent and proactive is commendable, but when it comes to negotiating with an insurance company, skill and experience are the qualities you will need. Knowing your rights is essential, whenever you are entangled in a legal matter. And knowing the strategies of the insurance companies can make the difference between settling for what you get and getting what you deserve.

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You may not be aware of it, but when you speak to an insurance representative following an accident, they are implementing strategic methods of conversation to get you to say or admit to something that will diminish your eligibility to claim benefits against their policy. And, contrary to what you may be led to believe, even your own insurance company will implement these tactics to prevent you from making a claim against your own coverage.

From bad faith insurance practices to double talk and misinterpretations of a policy, the bottom line is always profits for insurance companies. Unless you are aware of some of their strategies, you may not even be aware that you are being taken for a ride.

Insurance companies are all too aware of the financial hardships that accident victims are facing, especially if they are unable to work. They will utilize victims’ misfortunes to encourage and even pressure them into settling for less than what they truly deserve. A legal professional can help you even out the playing field and pursue the damages to which you are rightfully entitled.

  • Insurance adjusters are trained to match the cadence of your speech and mirror your body language in order to lull you into a false sense of security – this is done because insurance companies automatically assume that you are simply attempting to “cash in” on the merits of a false claim
  • Admissions of fault or responsibility provided to an insurance adjuster can be construed as declarations of liability, and render you ineligible for coverage or prolong the processing of your claim – even an apology can be manipulated and used to deny your benefits
  • Insurance adjusters will deliberately provide un-represented victims with settlement terms that are far less than the amount of compensation that they have requested just to see if they can get away with it – and to see if the victim is even aware of his or her legal rights to compensation

Negotiating with an insurance company on your own is challenging work. If you have been in an auto or motorcycle accident or suffered injuries due to any type of negligence, get in touch with a personal injury attorney.

In the United States, we are all entitled to serve as our own legal representatives, whether we are facing the courts for a speeding ticket or an insurance company over a personal injury lawsuit. There are many online resources available to help individuals organize their cases and prepare for negotiations and courtroom appearances. However, online resources cannot provide anyone with experience, and they cannot prepare anyone for the advanced and often dubious techniques that insurance representatives will utilize in order to get you to settle for less than what your claim is worth.

The Bressman Law firm represents clients in Columbus as well as Upper Arlington, Dublin, Grove City, Reynoldsburg, Gahanna, Westerville, Worthington, Hilliard and throughout the State of Ohio.