Insurance Company Tactics Seniors Should Watch For

Auto accidents can be a distressing and overwhelming experience, especially for senior citizens. After such an incident, seeking financial compensation from the at-fault driver’s insurance company becomes crucial to cover medical expenses, property damage and other losses.

While insurance companies are expected to provide support during these challenging times, some may employ tactics that confuse or mislead auto accident victims, jeopardizing their rights.

Insurance Company Tactics to Watch For

If you or a loved one is the victim of an auto accident, here are some things to watch for:

Insurance companies are late in responding

Following an accident, contacting the at-fault driver’s insurance company to initiate a claim is a common step. However, one tactic sometimes used by insurance companies is delaying responses to claims or inquiries. This strategy aims to cause frustration and make you feel like your case is unimportant. The objective is to pressure you into accepting a low settlement offer or even giving up on your claim entirely.

Make lowball settlement offers

Another strategy employed by insurance companies is offering an initial settlement amount significantly lower than what victims are entitled to. Insurance adjusters may take advantage of senior citizens’ vulnerability and financial stress, hoping they accept the quick offer without fully understanding the long-term consequences. These lowball offers may not cover all medical expenses, property damage or lost wages, leaving you in a difficult financial situation in the future.

Purposeful misinterpretation of policy terms

Insurance policies can be complex and filled with legal terms that may be challenging for the average person to decipher. Some insurance companies may take advantage of this complexity, purposefully misinterpreting policy terms to reduce the payout on a claim. They may attempt to shift blame or argue that certain damages are not covered under the policy.

Asking for a recorded statement

When dealing with an insurance adjuster, you may be asked to provide a recorded statement detailing the events of the car crash. While this may seem routine, be cautious. Insurance companies may use your statement against you later, twisting your words to dispute liability or minimize your injuries and damages. In fact, you should never speak with an insurance adjuster before consulting with a personal injury attorney first.

How to protect yourself after an auto accident in Washington state

To protect yourself from potentially misleading tactics used by insurance companies, consider the following steps:

• Seek strong legal representation: Consult with an experienced car accident attorney who can advocate for your rights, collect strong evidence and negotiate with the insurance company on your behalf.
• Document everything: Keep records of all communications with the insurance company, including emails, letters and phone calls. This documentation can serve as evidence if any disputes arise later.
• Delay giving a recorded statement: Refrain from providing a recorded statement without first consulting your attorney. They can advise you on how to navigate this process effectively.
• Know your rights: Familiarize yourself with your rights as an accident victim and the coverage provided by your insurance policy.

Discuss a winning strategy, get the help you need

Walton Law is here to support and guide Whatcom, Skagit and Island County seniors throughout the legal process, ensuring their rights are protected. We offer free and confidential consultations. Live chat with a member of our team by visiting www.waltonlawapc.com/ or call us at (360) 503-0231.

Walton Law, APC
Washington Office
360-503-0231
waltonlawapc.com