No matter the unique details of the accident, one constant of auto accident claims is that the insurance companies do everything to get out of paying. Insurance companies are not in the business of protecting their customers. They are in the business of making money. Paying claims means they make less money.
So they will go out of their way to get out of paying, even to the point of lying. In order to protect yourself, it is important that you understand the lies these companies commonly tell victims. That way they can’t trap you into a situation where they get out of paying you a full and fair settlement under Florida law.
Here are some of the lies insurance companies commonly tell auto accident victims:
“If You Don’t Accept Our Offer, You Might Get Nothing At All”
Insurance companies often use a tactic called “low balling.” Low balling is when they offer way less than the claim is worth, hoping you will take it. They know that accident victims are stressed as the bills pile up. They aren’t in their best health so they aren’t always able to make the best decisions. They use this circumstance to try to convince you that not only is their offer fair, but if you don’t accept it, you’ll be on your own. This is not true at all. Their offers reflect what they want to pay you to keep their profit margins in line. These offers are not always what you are legally owed.
“Your Injuries Are Not Severe Enough For Compensation”
Another common tactic insurance companies use is to downplay your injuries. This can go so far as for them to say you are lying about the severity and pain you are experiencing. This is an especially insidious lie because it can feel really invalidating. Insurance companies do this because they know they can leverage the concept of insurance fraud without an actual accusation. This is enough to create doubt around your case. Do not let the insurance companies define the seriousness of your condition. You know your health better than anyone else.
“Your Injuries Are The Result Of A Prior Incident”
Insurance companies have a lot of resources, including teams of investigators. These investigators will scour your past looking for anything that can get them out of paying. One of the most common things they do is find some small injury from your past and say that it is proof your current injury was preexisting. For example, if you tweaked your back five years ago from playing tennis, they’ll argue your current spinal injury is not from the car wreck. If they can convince the courts of this, they can get out of paying. A good accident injury attorney can help mount a defense against these lies using their own medical documentation.
“You Don’t Need An Attorney, They Are Just Trying To Make Money Off Of You”
One of the biggest lies an insurance company will tell you is that you don’t need an attorney for your case. They do this because they know if you have an attorney on your side, they won’t be able to pull their usual tricks. They’ll have to pay the full and fair settlement you are owed under Florida law. Attorneys are your advocate. They are 100% on your side and work diligently to ensure your rights are protected. A good rule of thumb is if the insurance companies tell you that you don’t need an attorney, you definitely need one.
These are just some of the things insurance companies will tell Florida accident injury victims to get out of paying. The best way to protect yourself from these lies is to work with a skilled auto accident attorney. The team at JusticePays.com is here to help. We helped accident injury victims recover over $500 million dollars and will fight for you.
Attorney David Goldman has been exceptional in the process of helping me through the case. He has always been easy to reach, whether by phone or email, and has thorough knowledge and explains clearly in depth so you feel safe and confident in your lawyer
I used Michael Babboni and his paralegal, Nicole Moore for a legal matter. They went above and beyond my expectations. During the entire process there was constant communication with both Michael and Nicole. They were extremely organized and on top of my case, which I am very grateful for. Michael truly had my best interests at heart and he was very genuine. I plan on referring Michael to all family and friends and will continue to use him in the future.
I dealt most with Mr. Fernandez. I didn’t know a lot about this process. He took the time to speak with me individually, in person, to explain everything. It was very helpful to actually know and understand the process and what to expect. He closed my case quickly, which was nice that it was not prolonged! I appreciated his hard work and getting me what I felt I deserved after my car accident. I highly recommend him to anyone who needs an honest and reliable lawyer to assist you with your case!
I hired Mr. Walsh after an automobile accident this past March. He and his entire staff were extremely professional. They kept me informed every step of the way and settled my case in a timely manner. Thank you so much for your help.