Insurance companies are businesses focused on maximizing profits, which means they often employ tactics to minimize claim payouts. If you’ve been injured in an accident, understanding these tactics can help you avoid pitfalls and ensure you receive fair compensation. Hiring a personal injury lawyer in Denver can significantly enhance your chances of securing the settlement you deserve.
Common Insurance Company Tactics to Watch Out For
1. Quick Settlement Offers
One of the most common tactics used by insurance companies is offering a quick settlement soon after an accident. While this may seem like an easy way to get compensation, these offers are often much lower than what your claim is truly worth. A personal injury lawyer in Denver can assess the value of your case and negotiate a better settlement.
2. Delaying Claims Processing
Insurance companies may delay processing your claim in hopes that you will become frustrated and accept a lower payout or even give up altogether. They may also use delaying tactics to push the claim past the statute of limitations, making it impossible for you to file a lawsuit.
3. Disputing Liability
Another common strategy is disputing who was at fault for the accident. Insurance adjusters might argue that you were partially or entirely responsible for your injuries to reduce or deny your claim. A seasoned personal injury lawyer in Denver can gather evidence, such as witness statements, police reports, and medical records, to establish liability and strengthen your case.
4. Requesting Unnecessary Medical Records
Insurance adjusters may ask for your complete medical history under the pretense of evaluating your injuries. However, they often use this information to argue that your injuries were pre-existing rather than caused by the accident. Your attorney can ensure that only relevant medical records are provided, protecting your privacy and claim.
5. Misinterpreting Policy Terms
Insurance companies may misinterpret or misrepresent policy terms to reduce their liability. Without proper legal knowledge, accident victims may be tricked into accepting unfair denials or underpayments. A personal injury lawyer in Denver can review your insurance policy and challenge any wrongful interpretations.
6. Using Recorded Statements Against You
Insurance adjusters often request recorded statements to use them against claimants later. Even an innocent remark can be twisted to minimize or deny your claim. It is advisable to consult a lawyer before giving any statements to an insurance company.
How a Personal Injury Lawyer in Denver Can Protect You
1. Conducting a Thorough Case Evaluation
A personal injury lawyer in Denver will assess the specifics of your case, including medical expenses, lost wages, property damage, and pain and suffering, to determine a fair compensation amount.
2. Handling All Communication
Your attorney will communicate with the insurance company on your behalf, ensuring that you do not say anything that could be used against you. They will also handle negotiations to maximize your compensation.
3. Gathering Crucial Evidence
A strong case requires solid evidence, including medical reports, accident scene photos, witness statements, and expert testimony. A lawyer can gather and present this evidence effectively to prove liability and damages.
4. Negotiating a Fair Settlement
Insurance companies often offer low settlements initially. Your lawyer will use their experience and knowledge of personal injury law to negotiate a settlement that truly reflects your damages.
5. Representing You in Court
If the insurance company refuses to offer a fair settlement, your lawyer can take the case to court and fight for your rights in front of a judge and jury.
Conclusion
Insurance companies prioritize their profits over your well-being, using various tactics to minimize payouts. By hiring a personal injury lawyer in Denver, you can level the playing field and ensure your rights are protected. Whether through negotiations or courtroom representation, an experienced lawyer will work tirelessly to secure the compensation you deserve. If you’ve been injured in an accident, don’t let the insurance company take advantage of you—consult a skilled attorney today.