As a car accident lawyer can share, insurance companies are not in the business of protecting your legal interests, they’re focused on limiting their financial exposure. After an accident, most people assume the insurer will treat them fairly, but there’s often a gap between what’s said and what’s omitted. Understanding what you’re not being told can help you make better decisions.
You Don’t Have To Accept The First Offer
Insurance companies often present quick settlement offers, hoping you’ll take the money before the full extent of your injuries becomes clear. These initial amounts rarely account for long-term medical care, lost income, or emotional suffering. Accepting one of these offers may prevent you from recovering additional compensation later. Additionally, accepting initial settlement offers not only closes off the opportunity for further compensation, but it also sends a message that you either were not as seriously injured as you might claim, or that you’re unwilling to fight for full compensation. Both of these assumptions are great for the insurance company, and harmful for you.
Your Words Can Be Used Against You
When an adjuster calls and asks you to explain what happened, it may seem like a casual conversation, but it’s often recorded and can be used to challenge your claim. Even simple statements like “I’m feeling okay” can be twisted to suggest you weren’t really hurt.
You’re not required to provide a recorded statement without legal guidance. In fact, it’s often better to let your attorney handle all communications with the insurer.
You May Be Entitled To More Than Just Medical Bills
According to our friends at the Law Office of Daniel E. Stuart, P.A., many injury victims don’t realize they may qualify for compensation beyond immediate medical expenses. This can include lost wages, reduced future earning ability, ongoing therapy, pain and suffering, and the emotional toll of the injury. Insurers rarely highlight these categories because they raise the potential payout. A legal advocate can help you calculate a more accurate value for your case.
You’re On A Deadline But They Won’t Remind You
Every state has a time limit (called a statute of limitations) for filing an injury claim. Insurance companies may drag out negotiations, knowing the clock is ticking. If you miss the deadline, you may lose your right to file a lawsuit, even if your case was valid. Don’t rely on the insurance company to tell you when time is running out. An attorney can track your deadlines and take action before they expire. By working with a personal injury attorney after an accident, you’ll be supported throughout the claims process.
The Process Is Not Always Fair But It Can Be Managed
Insurance companies have legal teams, adjusters, and established processes to protect their bottom line. That doesn’t mean you’re powerless. With the right support, you can take control of your claim and push for the outcome you deserve.
Knowing what’s left unsaid is often just as important as the information you’re given. Asking questions, getting second opinions, and speaking with a lawyer can give you the clarity you need to move forward with confidence. If you or a loved one was involved in a car accident, speak to a local lawyer about your case and discover your options.