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Tactics Insurance Companies May Use to Avoid Paying Claims

Not every auto insurance company is fair when offering car accident compensation. Some people find themselves accepting unfair deals they cannot undo. Insurance agents are encouraged by some insurance companies to delay paying out claims. You may not have to give up if your claim was rejected. 

Common Insurance Company Tactics

Being aware of the most common insurance company tactics might help you avoid falling into an unfair deal. Some insurance companies will deny or delay claims for insufficient reasons. Insurance agents will do this by making faulty excuses for why a claim was denied or delayed.

Be cautious about repeated excuses for delaying your claim. Agents sometimes use the tactic of delaying a claim until the statute of limitations is up. Once this happens, you will no longer be able to file a personal injury claim. This could prevent you from receiving the compensation you need.

Companies will also use the tactic of denying claims despite the evidence that was provided. A red flag of this is if you submitted substantial evidence and your claim was still rejected. This could be bad faith insurance in some cases. 

Confusing customers with complex terminology is not uncommon either. This is often used to trick people into signing away rights to compensation. Ambiguous legal clauses are used by some insurance companies to avoid paying claims. Working with an experienced lawyer who can read through contracts can help you avoid falling into this trap.

 

Do Insurance Companies Check Social Media?

Not everyone realizes that insurance companies also check social media. This is one method in the insurance company’s accident investigation process. What happens is the claims adjuster will monitor all your social media accounts to check for inconsistencies.

Posting a photo of you smiling or being active when the adjuster thinks you should be inactive could hurt your claim. The same goes for posting pictures of your vehicle in better condition than you claimed in your accident report. Facebook, Instagram, Twitter, and other social media platforms are all accessible.

There are ways you can protect yourself from this. You can make your social media accounts or certain posts private. Not posting anything until your claim is fully paid is another potential solution. Being as honest as possible when submitting your claim is important. The last thing you want is to be accused of fraud.

If you need assistance, asking an experienced lawyer for guidance can be helpful. A lawyer can work with you to build you a strong car accident claim. You may not have to face insurance company tactics alone.

Source: Trending Times