What Defenses Do Insurance Companies Use To Avoid Paying Out On Claims?

Insurance companies will always contend that the impact was not as serious as it actually was, and therefore that your injuries are not as serious as you claim. In many cases—even if liability seems to clearly fall on the other driver—they will attempt to argue that you were comparatively at fault for one reason or another, such as failing to take evasive action to avoid the accident.

Another defense used by insurance companies to avoid paying out on claims is to argue that your injuries were pre-existing. If you do not receive treatment very soon after the accident and if there are any gaps in your treatment (such as by missing some therapy appointments), then they will use that in an attempt to drive down the value of your claim and offer a low settlement amount.

What If I Have Delayed Symptoms Of Injuries After An Accident? Do I Still Have A Viable Claim?

If you have delayed symptoms of injury after an accident, you could still have a claim. However, the insurance carrier will use that delay to argue that you do not have as serious of an injury as you claim. It is very common for the full effects of a vehicle accident (or any accident for that matter) to not become known for days or even weeks. People tend to shrug off or diminish in their own minds the seriousness of an accident, but this does not mean they are not injured.

If you are suffering from pain for any extended period of time, you need to get into a medical facility as quickly as possible. In fact, even if you feel well immediately after an accident, it would be well-advised of you to be seen by a medical professional. If you’ve suffered a heady injury, then you may not be thinking clearly, and it’s very important to be seen as soon as possible.

Can Someone Handle An Auto Accident Claim On Their Own Without An Attorney?

The insurance adjusters who work for the at-fault party’s insurance company are not your friends. They are not always going to be forthcoming and truthful with respect to their advice or recommendations as to how your claim should proceed, and it’s certainly in their best interest to pay as little as possible to you. Very soon after a claim, many insurance adjusters will offer a settlement that may initially seem fair, but accepting it without ensuring that you don’t have any long-term injuries would be a mistake. Prior to agreeing to a settlement, it’s important to understand the full nature of your injuries by seeing a qualified medical doctor.

Insurance adjusters will have a team of professionals working against you, including supervisors, medical consultants, risk managers, medical consultants, and attorneys; as such, it certainly would not be a fair fight without an experienced accident attorney by your side.

How Long Does It Take To Receive Funds After A Settlement Is Agreed Upon In A Personal Injury Claim?

Generally speaking, it will take between two and three weeks to receive funds after a settlement is agreed upon in a personal injury claim. During this time, a number of legal documents will have to be sorted, completed, and returned. You will also need to determine whether or not there are any outstanding medical expenses, since there are Medicaid and Medicare laws that prohibit you, the injured victim, from concluding a settlement until Medicaid and Medicare loans are made known or satisfied through the settlement. In addition, there may be private insurance claims that need to be investigated and potentially negotiated or reduced prior to you receiving final payment. In the absence of such issues, settlement funds should be issued within 30 days of the settlement agreement.

For more information on Defenses Used By Insurance Companies In TX, a free case evaluation is your next best step. Get the information and legal answers you are seeking by calling (915) 301-7819 today.