Auto insurance companies are like businesses, they offer services in exchange for money and are careful about the way they handle that money afterward. This is why you will often hear stories of people who suffered damages from car accidents who were not sufficiently reimbursed or wrongfully denied despite their evidence. Insurance companies usually do not want to offer a lot of compensation, so they will try various ways to avoid your personal injury claim or deny you compensation. Talk to a Tennessee auto accident lawyer if you have found yourself struggling with this experience.
Examining Your Car Accident Claim
The first obstacle you will encounter after you submit a personal injury or car accident claim is a . A claims adjuster is the person standing between you and compensation for all the damages you suffered. The adjuster will examine your claim with skepticism, may request further evidence from you like police or medical records, and will often talk to the other driver and witnesses from the accident.
This is often termed the investigation process because what the claims adjuster is trying to do is find evidence that may prove your claim wrong. If something contradicts what you said in your claim, you may have trouble obtaining compensation. A lack of evidence like no police report or evidence of your injuries can also put your claim at risk for denial.
To increase your chances of having your claim accepted, you need to collect as much concrete evidence as possible. This means pictures of your injuries and the accident, collecting documentation of the damages like medical records and police reports, and consulting with a lawyer for advice.
How Insurance Companies Try to Disprove Your Claim
Examining your car accident claim with scrutiny is not the only way insurance companies will attempt to undermine your
claim. They will also hire to look at your social media accounts for signs of fraud. In other words, if the injuries you claim to have suffered from the accident are not apparent in your social media posts shortly after the accident, you may be denied compensation.
For example, if you suffered a bone fracture in your leg and are seen in a photo standing without a cast on your social media account, this may be used against you. This photo could be an old photo from weeks before your injury, but the insurance company is not likely to see it this way unless you have evidence.
Many people advise to switch your social media accounts to private until the case is over because some posts will be misinterpreted and exaggerated by your insurance company. Talking to a lawyer can also help you avoid common mistakes with these cases and can help you build a strong case to defend your claim.