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How insurance companies may devalue your personal injury claim

You were involved in a serious car accident in North Carolina that significantly damaged your vehicle and left you with expensive medical needs. You know that you did not cause the accident, and you need access to compensation quickly to avoid insurmountable property damage costs and medical debt.

When filing a claim with an insurance company, a claims adjuster will review your request for compensation through insurance by reviewing all aspects of the accident and your injuries. Unfortunately, during this process, many insurance claims adjusters try diligently to offer you an inadequate amount for your damages and injuries. They use multiple tactics to force you to accept a compensation amount, and you may be left with less reimbursement than you require to recover.

It is important, when dealing with insurance companies and claims adjusters, that you hire an experienced personal injury attorney to help you receive maximum benefits from your accident. These attorneys understand ways that adjusters attempt to lower your reimbursement and can aid you in recognizing these schemes.

Tactics utilized by claims adjusters to lower your payout

According to, the basic process of receiving compensation after an accident involves seeking medical care and acquiring all relevant proof of your expenses. You want to provide as much information as possible about the moments leading up to the accident and the accident’s effects on your car and body to both the police and insurance.

The goal of the claims adjuster is to determine a rightful your expenses. By utilizing the evidence surrounding the accident such as photos taken and bills paid, they may come to a conclusion about your required compensation.

Unfortunately, adjusters work for their insurance companies, not for you. Their goal is to offer you the minimum compensation for your damages. They will use the following tactics for your reimbursement, that may leave you in debt after your accident.

  • Using the lowest possible damage quote for your car repairs
  • Offering to reimburse for only current medical bills, not future medical issues
  • Looking through your social media or phone records to try to pin some of the fault on you
  • Reviewing police reports to try to determine you may have been at fault
  • Not offering rehabilitative care costs
  • Not accounting for payment for pain and suffering or mental impairments due to the accident

The compensation you receive for your injuries matters greatly, as you may face long-term effects of the accident. You may not have the ability to work the same job, you may require ongoing prescription medication for pain management, or you may even require continuous mental health evaluations due to PTSD. You do not want to fight for your required claim alone, and an attorney can provide you with the expertise to identify an adjuster’s goals and help you receive accurate aid after a North Carolina car accident.

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When you have been injured by someone else's carelessness or negligence, you want help. Dealing with doctors, insurers, lawyers and courts can be overwhelming at a time when you are hurt and simply want to feel better again.

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Ruth Smith Law Firm Personal Injury and Disability LAW

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