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Personal injury attorney lawyerOne of the main reasons any injured person attempting to deal with the insurance company needs an experienced Orange County personal injury attorney is because of the settlement negotiation process. Some unscrupulous insurance claim adjusters will attempt to unfairly pressure you into accepting a lower settlement. You should always be on the lookout for these tactics.

Leveraging Litigation

The claims adjuster knows that it would ultimately cost you more in time and resources to litigate your claim that would cost the insurance company. He may try to convince you that you would have to go to court in order to recover the damages you deserve; this tactic will make his offer seem like a “reasonable deal.”

Failure to Disclose

An insurance adjuster may, in bad faith, fail to disclose what the insured’s policy covers in hopes that the claimant never finds out the full extent of what he or she is entitled to from the insurance company. According to industry regulations and most state laws, claimants should never be left guessing as to what he or she is entitled to. This does not stop some unscrupulous adjusters from adopting an If you don’t ask for it, you don’t get it policy, however.

Structured Settlement

The insurance adjuster may also try to pressure you into taking what is known as a structured settlement, in which the insurance company pays you over time. Despite what the claims adjuster tells you, the only one who really benefits from such an arrangement is the insurance company, as they can use the money they save over a lump sum payment to invest in other things.

Denying Diminution Value

Some insurance companies will refuse to pay for the damages to your vehicle after repairs have been completed. They may claim that you do not need the money for repairs or that the damage was not very extensive to begin with, when neither is the case.

It is imperative that you do not put up with these games. With an experienced Orange County personal injury attorney on your side, any insurance adjuster would think twice before trying to pull these tricks. Call Orange County personal injury attorney Samer Habbas today for a free initial consultation.