After a New Jersey car crash, you may look to your insurance company to issue you a settlement so you may make necessary repairs or medical appointments and move forward with your life. However, insurance companies are for-profit entities, suggesting they may not always have your interests in mind.
Instead, the National Law Review reports that automotive insurance companies might employ many different tactics to reduce how much they have to pay you after a wreck. For this reason, you may want to think twice before accepting your insurer’s first offer. What are some of the strategies they might use to make a lowball offer?
1. Questioning the extent of your injuries
Your insurer may gain access to your medical records before paying out a claim. After doing so, it may argue that you overstated the extent of your injuries or that they are not as severe as you claim. Your insurer may also question whether the treatment you underwent after receiving them was necessary or reasonable to cut back on how much it pays you.
2. Questioning your right to the claim
It is common practice for auto insurers to question whether you have an actual right to a claim. Your insurer may imply that you were responsible for the car wreck or at least somewhat responsible. It may do so so that you think any offer sounds like a good offer and accept a low one.
3. Questioning whether past injuries are the real issue
Your insurer may also question whether you actually sustained the injuries you say occurred during the crash during some other event.
Once you accept your insurance company’s offer, you surrender the right to pursue additional compensation.