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5 Clever Tactics to Use When Dealing with an Insurance Company

5 Clever Tactics to Use When Dealing with an Insurance Company

The purpose of an insurance company is to provide financial compensation that will allow you to get on with life after an accident. However, these companies aren’t eager to meet their obligations, so they often resort to a variety of tactics in order to minimize or even deny your claim completely.

Please note that in some cases, a denied claim is considered an administrative problem and might be taken to court. There is an official appeal process you can follow that would force the insurer to respond. The company should provide you with a guide to the appeal procedure.

The state insurance department can consult you regarding how to behave in this situation. Usually, it’s best to hire a personal injury lawyer who would be able to get your settlement more effectively. Legal professionals have experience in dealing with insurance companies and have a counter for every tactic those use to deny claims.

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5 Ways You to Deal with an Insurance Company

You should be aware of some commonly used tactics that insurance adjusters employ to reduce the size of your settlement. When you know what you are going to be dealing with, you’ll be able to fight for your rights (and money) more effectively.

1. Trying to be friends with you

An adjuster is usually a friendly and sympathetic person who can get the claimant to like them. This tactic is used for two purposes. One is that the insurance company’s representative is trying to fish out information they can later use to reduce the value of your case. The other is to talk you into accepting a smaller settlement.

How to deal: Maintain an impersonal, professional tone in all your interactions with the adjuster. Minimize personal meetings with the insurer and direct them to your lawyer.

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2. Requiring a recorded statement

Never agree to have your statement recorded by an insurance adjuster, even if they claim this is necessary. Legally, they have no right to demand a recorded statement. However, if you do provide one, they would use it against you in court. Even the most innocuous questions from this ‘interview’ can look damning in the context the insurer would put them into before the judge.

How to deal: Refuse to give a statement and redirect their inquiries to your attorney.

3. Asking you to sign a blank medical authorization

Adjusters ‘sell’ this under the pretense of saving you the time and effort of getting your medical records and filing them yourself. However, it’s a nasty trick that can be used with a devastating effect. For example, the insurer can request your earlier medical statements and make a case that your health problems existed even before the accident.

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How to deal: Either manage the records yourself or entrust this task to your lawyer.

4. Requiring unreasonable proof

Insurers often make unreasonable demands, especially regarding proof of wage loss. For example, they might require a mountain of paperwork that specified every single dime you lost due to an accident.

How to deal: Simply bring a legal professional to them and they would force the insurer to abide the actual laws regarding such matters.

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5. Pressing for a quick settlement

In many cases, time might show that your injury is more serious than it occurred to be at first. For an insurer, quick settlements are always cheaper.

How to deal: Don’t agree to the first adjuster’s offer. Instead, go through the proper settlement process after your doctor gives you the ‘all clear’.

Hire a Personal Injury Lawyer to Get Your Rightful Settlement

Insurance companies use a variety of tricks to reduce settlements, but they can succeed only because people don’t know the laws well. Hiring an attorney will make it impossible for adjusters to prey on you.

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Melissa Burns

Entrepreneur

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Last Updated on December 2, 2018

7 Public Speaking Techniques To Help Connect With Your Audience

7 Public Speaking Techniques To Help Connect With Your Audience

When giving a presentation or speech, you have to engage your audience effectively in order to truly get your point across. Unlike a written editorial or newsletter, your speech is fleeting; once you’ve said everything you set out to say, you don’t get a second chance to have your voice heard in that specific arena.

You need to make sure your audience hangs on to every word you say, from your introduction to your wrap-up. You can do so by:

1. Connecting them with each other

Picture your typical rock concert. What’s the first thing the singer says to the crowd after jumping out on stage? “Hello (insert city name here)!” Just acknowledging that he’s coherent enough to know where he is is enough for the audience to go wild and get into the show.

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It makes each individual feel as if they’re a part of something bigger. The same goes for any public speaking event. When an audience hears, “You’re all here because you care deeply about wildlife preservation,” it gives them a sense that they’re not just there to listen, but they’re there to connect with the like-minded people all around them.

2. Connect with their emotions

Speakers always try to get their audience emotionally involved in whatever topic they’re discussing. There are a variety of ways in which to do this, such as using statistics, stories, pictures or videos that really show the importance of the topic at hand.

For example, showing pictures of the aftermath of an accident related to drunk driving will certainly send a specific message to an audience of teenagers and young adults. While doing so might be emotionally nerve-racking to the crowd, it may be necessary to get your point across and engage them fully.

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3. Keep going back to the beginning

Revisit your theme throughout your presentation. Although you should give your audience the credit they deserve and know that they can follow along, linking back to your initial thesis can act as a subconscious reminder of why what you’re currently telling them is important.

On the other hand, if you simply mention your theme or the point of your speech at the beginning and never mention it again, it gives your audience the impression that it’s not really that important.

4. Link to your audience’s motivation

After you’ve acknowledged your audience’s common interests in being present, discuss their motivation for being there. Be specific. Using the previous example, if your audience clearly cares about wildlife preservation, discuss what can be done to help save endangered species’ from extinction.

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Don’t just give them cold, hard facts; use the facts to make a point that they can use to better themselves or the world in some way.

5. Entertain them

While not all speeches or presentations are meant to be entertaining in a comedic way, audiences will become thoroughly engaged in anecdotes that relate to the overall theme of the speech. We discussed appealing to emotions, and that’s exactly what a speaker sets out to do when he tells a story from his past or that of a well-known historical figure.

Speakers usually tell more than one story in order to show that the first one they told isn’t simply an anomaly, and that whatever outcome they’re attempting to prove will consistently reoccur, given certain circumstances.

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6. Appeal to loyalty

Just like the musician mentioning the town he’s playing in will get the audience ready to rock, speakers need to appeal to their audience’s loyalty to their country, company, product or cause. Show them how important it is that they’re present and listening to your speech by making your words hit home to each individual.

In doing so, the members of your audience will feel as if you’re speaking directly to them while you’re addressing the entire crowd.

7. Tell them the benefits of the presentation

Early on in your presentation, you should tell your audience exactly what they’ll learn, and exactly how they’ll learn it. Don’t expect them to listen if they don’t have clear-cut information to listen for. On the other hand, if they know what to listen for, they’ll be more apt to stay engaged throughout your entire presentation so they don’t miss anything.

Featured photo credit: Flickr via farm4.staticflickr.com

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