Insurance adjusters are trained to settle claims for as little money as possible. They will employ a variety of ploys to achieve their goal of reducing the value of your claim or even denying it altogether. Here are five of the most frequent methods insurance adjusters try to de-value your claim:
1. Offering a Quick Settlement
One of the most common ways insurance adjusters try to de-value your claim is by offering a quick settlement. They may tell you that the sooner you settle, the faster you’ll get paid. Or they may offer a lowball settlement that’s just a fraction of what your claim is actually worth. They always want you to settle for less than you deserve, no matter the circumstances.
2. Claiming Your Injuries Are Pre-Existing
If you’ve been in an accident, the insurance adjuster may try to argue that your injuries are pre-existing. They may say that you were already injured before the accident happened, and that the accident didn’t cause your injuries. They may also try to minimize your injuries, claiming that they aren’t as serious as you claim. Either way, their goal is to reduce the value of your claim.
3. Denying Your Claim Altogether
Another common tactic insurance adjusters use is to deny your claim altogether. They may say that you’re not covered under your policy, or that your injuries aren’t covered. They might try to shift the blame for the accident away from themselves by claiming you were at fault. They will do anything they can to prevent your claim from being approved.
4. Delaying Your Payment
Insurance adjusters may also try to delay your payment. They may say that they need more time to investigate your claim. Or they may ask for additional documentation, such as medical records or police reports. The goal is to make the process take so long that you get frustrated and settle for less than you deserve.
5. Lowballing Your Settlement
Finally, insurance adjusters may try to lowball your settlement. They may give you an initial offer that’s much lower than what your claim is actually worth. Or they may make a series of low offers, hoping that you’ll eventually get frustrated and accept one of them. In other words, they want you to take a lowball offer.
If you’ve been injured in an accident in Las Vegas, don’t let an insurance adjuster take advantage of you. Be sure to consult with an experienced Las Vegas personal injury attorney who can help you protect your rights and get the full value of your claim. Give us a call at 702-570-000.