Almost every insurance company seems to have the same marketing strategy. They try to create a friendly or funny character or mascot while representing the company as supportive or even generous. The goal is to convince consumers that the insurance company wants what is best for them if they ever need to file a claim.
However, the reality faced by many people trying to obtain insurance compensation after a car crash is vastly different from the dynamic represented in commercials. Instead of friendly and quick assistance, claimants often find themselves facing bullying behavior. Insurance professionals may talk down to them, insult them, manipulate them or try to trick them into accepting unfavorable terms. They may also try to get the person filing the claim to implicate themselves to limit how much compensation they receive.
How can those who need insurance coverage after a car crash limit the likelihood of falling victim to insurance company bullying?
By reviewing the policy carefully
To successfully navigate a car insurance claim, the person in need of compensation has to understand the coverage available. Every insurance policy is different from the next. Drivers choose the policy limits that they set.
The state establishes a minimum coverage amount, and not all drivers choose to carry anything beyond the absolute minimum. The party making the claim needs to know how much coverage is available. That way, they can better determine if the amount offered is reasonable and appropriate. They may be able to counter a low settlement when they know it is below policy limit. The best way to avoid manipulation and an unfair outcome is to be aware of what is possible.
By securing professional representation
One of the reasons insurance companies spend so much on advertising is to give consumers a false sense of confidence. People who think they can manage a claim on their own behalf are more vulnerable to sneaky negotiation tactics or attempts to get them to make recorded statements that could diminish their compensation.
Those in need of compensation after a car crash typically have the right to hire a lawyer to negotiate on their behalf. An attorney knows how insurance companies operate and how to review policy paperwork.
They can also help people estimate how much compensation they are likely to require given the extent of their losses. An attorney can aggressively negotiate on behalf of a client and convince an insurance company to offer a reasonable settlement. People who have an attorney representing them are less likely to fall victim to manipulation to secure a favorable outcome.
Those hoping to hold another party accountable for a recent car crash often begin that process with an insurance claim. Recognizing the risk inherent in insurance negotiations can help people manage what can be a difficult process.