Exposing Insurance Tactics: Strategies to Counter Low Payouts

 

 

 

Dealing with insurance companies after a brain injury can be a daunting and frustrating experience. Insurance companies often employ various tactics to minimize payouts and protect their bottom line, leaving victims struggling to get the compensation they deserve. Understanding these tactics and how to counter them is crucial for anyone navigating an insurance claim. This blog post will explore insurance companies' common tactics and provide practical tips on countering them. Additionally, we will highlight the achievements of California Wrongful Death Lawyers, a trusted firm that has successfully advocated for brain injury victims.

 

Common Tactics Used by Insurance Companies

1. Delaying the Claims Process

 

Insurance companies may intentionally delay the claims process to frustrate claimants and pressure them into accepting lower settlements. By dragging out the process, they hope claimants will become desperate and settle for less than they deserve.

 

How to Counter:  Stay persistent and organized. Keep detailed records of all communications and follow up regularly. If delays persist, consider consulting with a personal injury lawyer who can expedite the process and ensure your claim is handled promptly.

 

2. Denying Liability

Insurers often deny liability for the injury, claiming the policyholder was not at fault or that the injury was pre-existing. This tactic can deter claimants who are unsure of how to prove fault.

 

How to Counter: Gather and present strong evidence, including medical records, witness statements, and accident reports. An experienced lawyer can help build a compelling case to establish liability.

3. Lowball Settlement Offers

 

Insurance adjusters may offer quick, lowball settlements shortly after the injury, hoping victims will accept before understanding the full extent of their damages and long-term needs.

 

How to Counter: Do not accept the first offer without consulting a lawyer. Assess all damages, including medical expenses, lost wages, and pain and suffering, to ensure the offer is fair and adequate.

 

4. Requesting Unnecessary Documentation

 

Insurers may request excessive or irrelevant documentation to complicate and prolong the claims process. This tactic can frustrate claimants and delay settlements.

 

How to Counter: Provide the necessary documentation, but question any excessive or irrelevant requests. A lawyer can help determine which documents are essential and streamline the process.

 

5. Disputing Medical Treatments

 

Insurance companies may challenge the necessity or cost of medical treatments to reduce the payout. They may argue that specific therapies are unnecessary or the costs are inflated.

How to Counter: Ensure all treatments are well-documented and supported by medical professionals. Keep detailed records of all medical expenses and consult your healthcare providers to justify the treatments.

 

6. Using Recorded Statements Against You

 

Insurers may ask for recorded statements and use them to twist your words or find inconsistencies to weaken your claim.

 

How to Counter: Avoid providing recorded statements without legal advice. If required, have a lawyer present to guide you and ensure your statements are accurate and not taken out of context.

 

7. Exploiting Lack of Legal Knowledge

 

Insurance companies may use claimants' lack of legal knowledge to offer less-than-deserved settlements.

How to Counter:Educate yourself about your rights and the claims process. Consulting with a personal injury lawyer can provide you with the legal knowledge and support needed to counter this tactic effectively

How We Can Help You?

The California Wrongful Death Lawyers have a proven track record of advocating for victims of brain injuries and other personal injury cases. Their commitment to justice and excellence has earned them numerous accolades and significant achievements, including:

Knowledge

• Partner Robert Walch has been with the firm since 2000, also handling personal injury, catastrophic injury and wrongful death cases, with a special expertise in quickly obtaining policy limit offers.
• We are graduates of Pepperdine University School of Law and UCLA School of Law with prestigious honors, including membership in Phi Beta Kappa—the oldest and most prestigious academic honor society—and Summa Cum Laude, the highest academic honor.

Achievement

•  Our law firm has been in business for more than forty-three years, winning thousands of wrongful death, catastrophic injury and other personal injury accident claims.
• Served as Chairperson of Civil Litigation – Tort Section of the Westwood Bar Association.
• Top Lawyers Of California - The Legal Network

 

Navigating an insurance claim after a brain injury can be challenging, but understanding common insurance company tactics and knowing how to counter them can make a significant difference in the outcome of your case. By staying informed, organized, and seeking the support of experienced legal professionals like the California Wrongful Death Lawyers, you can protect your rights and secure the compensation you deserve. If you or a loved one is dealing with a brain injury claim, contact California Wrongful Death Lawyers for a free consultation and let their expertise work for you.