Personal Injury

5 Secrets Insurance Companies Don’t Want You to Know

Secrets Insurance Companies don't want you to know, so they can avoid paying compensation.

Here are 5 secrets that experienced attorneys become aware of after years of successfully helping people like you resolve personal injury claims, but that insurance companies don’t want you to know.

Secret #1: Recorded Statements Can Hurt Your Claim

Most people think that it won’t hurt their claim if they give the adjuster a recorded statement. They also think that they have to give a statement in order for the insurance company to fix their car or pay their medical bills. Neither, however, is true.

Insurance companies go out of their way to encourage people to give them a recorded statement. They do this primarily because once they have a statement from you on record, they can use it to find grounds to reduce the amount of money they have to pay you for your claim.

So, before you give any statement to an insurance company consult with an attorney and let him tell you if you should give a statement or not, and what questions you do or do not have to answer.

Secret #2: They Hope You Don’t Talk to a Lawyer

Insurance companies will attempt to settle your claim quickly and before you get a lawyer involved. Some insurance companies even track the experience and success rates of lawyers whom they know and will adjust their settlement offers based upon the reputation of the attorney they are up against.

Often, when a claimant tries to settle a claim without an attorney, they receive a settlement offer that is far below what they deserve, and the insurer is most often unwilling to budge on their offer no matter the strength of claimant’s case.

However, when the claimant is represented by a reputable attorney, whom the insurance company knows would be inclined to take the cases to court, where a jury would decide what fair compensation will be, the insurer is more likely to negotiate and settle the claim for a fair amount.

Secret #3: It is Vitally Important to Tell Your Doctor Everything

It’s important to tell your doctor about every little thing that bothers you on the first visit after the accident. You may have multiple injuries, some more bothersome than others. Perhaps your neck hurts badly and you also have a bit of soreness in your knee.

But, if you wait until after your neck is feeling better, some three weeks later, to tell your doctor about your knee, the insurance company will say that your knee injury did not occur during the accident because you didn’t get it treated until three weeks later.

You will then have a very difficult time receiving compensation for any treatment you need or have received for your knee injury. Documenting everything about your injuries is the key to getting a fair settlement.

Secret #4: Honesty is The Best Policy

Insurance companies will not settle a case if they believe that you are exaggerating your injuries or damages. They know that if you take a case like this to court, the jury will punish you for being dishonest and perhaps penalize you with a judgment which is even less than what they may have been willing to offer.

On the other hand, a jury will reward an honest injury claim with fair and just compensation. So, as in all areas of life, honesty is the best policy and gets the best results.

Secret #5: Lawsuits Are Not Frivolous

The insurance industry has a multimillion dollar public relations machine that spends millions of dollars each year to mislead the general public into believing that lawsuits are frivolous and that clients and their lawyers are only trying to a make a profit from their injuries.

The truth is, however, those who suffer injuries and losses as a result of someone’s negligence deserve to receive fair compensation. The purpose of a personal injury lawsuit is to provide a mechanism for those who have suffered real losses to seek compensation from those responsible and to encourage individuals and business to be safer by holding them accountable for the damages the cause.

These five things should be at the top of any good lawyer’s list of advice for you. For more information on how you can use these secrets to increase your chance of receiving the compensation that you deserve, contact a knowledgeable and experienced personal injury attorney.