Types of Defenses Used By Insurance Companies to Minimize Your Car Accident Injury Claims

If you have been injured in a car accident and paid huge medical bills for your treatment, you may be waiting for the claim settlement to help you settle the bills. Huge medical bills may make you have a lot of financial strain. Unfortunately, things don’t always happen as per individual’s expectations. Sometimes your insurance claims may be minimized. When this happens, you may not understand why your claim has been reduced. But the truth of the matter is, every car accident case is different, and so is the injuries suffered. Getting informed on some of the ways insurance companies use to reduce your claims may keep your mind at peace.

Reasons Why Insurance Companies Minimize Your Claims

Insurance agents are the friendliest people, but their interest in watching out of you. If you have been faced with an injury claim, your claim may be minimized if you don’t take charge. If not sure about this, look for an attorney in Anchorage who will give you a bit of legal advice concerning your injuries.

• Denying liability:If you want to show that you were injured in a car accident case due to someone’s negligence and as a result, you suffered injuries, you have to provide evidence. These injuries could have resulted in huge bills. This requires that you show the fault driver owed you a duty of care. The insurance company may argue that you had knowledge of the risk you were facing and that you assumed that risk of being injured. Thus, the insurance company may lessen the percentage of your claims if only they can prove that you also contributed towards your injuries.
• Absence of evidence:The insurance companies will always claim you didn’t provide enough proof. For instance, failure to give a police report can make the insurance agent question the driver at fault. Again, they may argue that the claims will be reduced if you have failed to provide the documentation for injuries suffered. You are required to keep evidence of all the medical expenses you have incurred and any lost wages to ensure there is enough evidence to support your claims.
• Minimizing injuries:The insurance company will work hard to provide evidence that your injuries were not severe. Unfortunately, the insurance company can hire an independent medical doctor to evaluate your injuries. More often, these doctors will conclude that the injuries were not severe.

How To Get Professional Help

If your insurance claim has been minimized, consider talking to an experienced attorney. A competent attorney is the only person who can speak with the insurance company on your behalf. Insurance adjusters can sometimes minimize your compensation for injuries in the wrong way. Best attorneys in Anchorage can find out what the problem is and fix it in the best way possible. Expect the attorney to work on a contingency basis. As such, you don’t have to worry about the upfront fees. They understand you are going through emotional distress due to the substantial hospital bills paid for the injuries. You will only pay them a certain percentage after your case has been successfully handled