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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 October 9, 2018

27 Ways to Instantly Feel Better When You’re Down

27 Ways to Instantly Feel Better When You’re Down

Who has never gone through some ups and downs in the life? But some people can feel better in a quicker way than others because they’ve found their own remedies to heal the bad feelings.

If you haven’t found yours, these ways will help you instantly feel better and ditch that negative self talk when you’re feeling bad about yourself:

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  1. Listen to the songs you loved when you were in high school or university, this will recall you of the old good times.
  2. Write something. Write down how you feel as a way to express your thoughts if you don’t feel like talking to anyone.
  3. Draw something. Draw anything you want because no one’s going to judge your drawing skills.
  4. Read the postcards or letters your friends or family sent you before, remind yourself there are people who always remember you.
  5. Silently think of a day or moment which you truly enjoyed and try to recapture that very first feeling. Was it the day of your graduation? The moment you traveled with your loved one?
  6. Take out your photo albums and go over your childhood photos.
  7. Cry when you feel like doing so. There’s nothing wrong with crying; cry out all your fear and stress and just face the truth after crying.
  8. Sing loudly like no one can hear you. Do you know that in Japan, people always sing karaoke to relieve stress?
  9. Cook a nice meal for yourself or for your family.
  10. Read your previous diary entries and look at your great memories.
  11. Dress up nicely to feel happier.
  12. Don’t stay in your bed! Get your laptop or a book and sit in a coffee place.
  13. Take a walk outside and feel the fresh air.
  14. Sweat yourself! Go jogging or play some sports.
  15. Pick up the musical instrument you used to play a lot and start to play it.
  16. Tidy up your desk or wardrobe, you’ll feel good that you’re being productive and actually doing something.
  17. Watch some funny videos, sure you can find a lot of them on Youtube.
  18. Eat something you like, be it a chocolate cake, or an ice-cream. Just please yourself with the flavour you like.
  19. Re-read your favorite book and write down the sentences or passages that you love.
  20. Watch a new movie, there must be a movie which you’ve always interested in but had no time to watch it.
  21. Do something nice that no one will notice, say picking up a rubbish in the street and throw it to a trash bin.
  22. Call your best friend and just talk whatever you want! Human beings are social animals after all, connecting with people close to you will make you feel better.
  23. Do voluntary work and help people in need, you’ll feel happy and satisfied.
  24. Get drunk with your close friends at home – a safe place for you to get drunk and get crazy. Let loose and have fun with your very close friends.
  25. Write an email or a note to a friend who you care about.
  26. Get out of your routine life and meet new friends. Get out of your comfort zone! Meeting new people can give you new inspirations in life.
  27. Look into the mirror and smile. Act like today’s already a wonderful day. How we act affects how we feel. It’s difficult to go on feeling sad if you’re trying to smile!

Remember:

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It’s not what happens to you, but how you react to it that matters.  — Epictetus

If you want to feel better, change what you’re doing because obviously what you’re doing doesn’t make you happy!

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Featured photo credit: Unsplash via unsplash.com

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