When a person suffers injuries in a preventable accident, the at-fault party may be held liable for the victim’s damages. While a victim may file a claim against the negligent party, it will likely be handled by that person’s insurance company. These companies are motivated by financial interest, and as such, they’ll go to significant lengths to minimize a potential payout. A personal injury lawyer in St. Charles, MO is familiar with the strategies insurers use to deny and underpay claims. Below are a few things lawyers want clients to know but insurance companies would rather keep hidden.
The Insurer Isn’t on the Victim’s Side
Although their marketing slogans may be catchy, clients should understand that these companies aren’t on their side, especially if one of their insured parties has caused an accident. Insurers value profits over everything else, and they always look for ways to pay victims less than they deserve. They may use certain methods to gather evidence and statements, which they won’t hesitate to use against a victim.
Victims Don’t Have to Give a Statement
Having an accident victim give a recorded statement is just one of the methods insurers use to protect their own interests. If an adjuster contacts a victim and requests a statement, the victim has the right to politely decline. However, many who are unfamiliar with personal injury law do give statements because they know no better. Rather than give a statement, a victim should work with a personal injury lawyer in St. Charles, MO who will handle all communication and interaction with the other person’s insurer.
The Other Person’s Insurer May Surveil a Victim
Insurance company representatives won’t tell victims that it’s legal for them to conduct surveillance. While it’s a rare tactic, it has been used in some cases, such as when the plaintiff has pre-existing conditions or prior injury claims. Clients have the right to know that they can legally be followed, and that information collected can be used against them.
Hire a Lawyer Immediately
One of the simplest ways insurers succeed in minimizing payouts is to capitalize on a victim’s lack of representation. Personal injury cases are complicated, and it’s in a client’s best interests to partner with an attorney who can even the odds and fight for a fair and full recovery. Browse our website for more information or call today to schedule a consultation.
