After a car crash, you may look to your insurance company to make you an offer that covers any medical care, vehicle damage or other expenses relating to the incident. If your claim has merit, your insurer is likely to recognize this. However, it may do everything in its power to cut back on how much it has to pay out.
Insurance companies often use the same tactics when making lowball offers. In doing so, they often hope that you might become tired of fighting and just accept whatever offer they make you. However, accepting your insurer’s initial offer may hurt you in the long run, and you may want to question your insurance company’s motives if it does any of the following.
Questions the extent of your injuries or treatments received
Your insurance company may try to argue that you underwent unreasonable or excessive medical treatments for the injuries sustained in a car wreck. It may also raise the possibility that you suffered your injuries in some other manner, rather than in the crash, in an attempt to reduce how much it has to pay.
Question your role in the crash
Your insurance company may also make the argument that you somehow contributed to the crash even if this was not the case. Your insurer may do this thinking it may make you wonder whether you are eligible for compensation at all – which may make the company’s initial offer seem more favorable.
Once you accept your insurer’s preliminary offer, you do not have many options available to you. For this reason, you should always think twice before taking the first offer your auto insurance company makes you.