When you select an insurance company, chances are good that your interactions with the agent will influence your decision of whether to buy. If the agent seems like a genuine, interested, caring person, you’re more likely to trust your home, auto and future to the agent’s company.
In truth, your insurance agent could be your best friend – but your agent isn’t the person dealing with your insurance claim when you have an accident. When you’re involved in an accident, you’re dealing with adjustors – and adjustors don’t have your best interests in mind.
Insurance Companies Are A Profit-Driven Business
No matter how friendly your insurance agent is, you must keep one vital fact in mind: insurance companies are profit-driven businesses. Insurance companies wouldn’t be able to stay afloat if they didn’t make more money than they spent out on insurance claims. It’s the job of the insurance adjustor to make sure that insurance companies pay as little as possible on any claim.
If insurance companies paid what a claim was worth every time someone had an accident, they’d be out of business in no time!
Insurance adjustors are trained to look out for the insurance company’s bottom line, using tactics designed to pay you as little money as possible – even if you have a legitimate injury or property damage.
Whose Insurance Doesn't Really Matter
The question of whose insurance doesn’t ultimately matter – it’s the job of all insurance adjustors to look out for their company’s bottom line. You might think that if you work with your own insurance company, you’ll be better off – but even if you’re dealing with your own insurance company, the adjustors are still trained to pay as little as possible! It doesn’t matter that you’re the person paying the premiums – the minute you have an accident and need to file a claim, you go from being an asset to a drain on the company, and adjustors are trained to act accordingly.
Beware of Insurance Adjustor Tactics!
Insurance adjustors take a variety of tactics to keep from paying you what your accident deserves. In some cases, insurance adjustors try to say that you’ve got a pre-existing injury that has nothing to do with an accident, or that you didn’t get treatment quickly enough – or got more treatment than you needed.
Beware of insurance adjustor tactics! If you’re working with an insurance adjustor, you’re virtually guaranteed that the adjustor isn’t looking out for your best interests, so it’s a good idea to consult with an impartial third party – like an experienced personal injury attorney – to make sure you’re getting what your accident actually deserves.
If you have questions about insurance companies dealing with a personal injury accident, please call the Anderson Law Firm today for a FREE CONSULTATION in Fort Worth at 817-294-1900 or in Dallas at 214-327-8000.