Here’s how it’s supposed to work: You pay your insurance company each month so you’re covered in the event of a car accident. Then, if the unexpected happens, the insurance company steps in to pay for your losses or replace damaged property. Simple, right? Unfortunately, the reality often looks very different.
When it’s time to fulfill their promise, many insurance companies drag their feet. They dig for loopholes or cite technicalities to avoid paying you what you’re entitled to. If you’ve experienced this, you’re not alone—but you’re not powerless either.
To help you prepare, we’ve outlined five common tactics insurance companies use to reduce or deny claims, along with advice on how to protect yourself.
1. They Pretend to Be Your Friend
Insurance adjusters often come across as friendly and sympathetic after an accident. They’ll ask how you’re feeling or if everything is okay. While it might seem like genuine concern, this approach is designed to get you to open up and share information that could be used against you. Remember, their priority is saving their company money, not looking out for your best interests.
2. They Rush You to Settle
Insurance companies know that the faster you settle, the less likely you are to uncover hidden damages or long-term injuries. By pressuring you to accept an early offer, they aim to prevent you from pursuing full compensation. Don’t let them rush you—Oklahoma law gives you two years to file a personal injury claim. Speak with an attorney to ensure you’re not settling for less than you deserve.
3. They Lowball You
It’s no secret that the first settlement offer is rarely fair. Insurance companies make their profits by minimizing payouts, and their initial offers are often far below what you’re entitled to. Negotiating on your own can feel like an uphill battle, but with an experienced attorney, you can fight for the compensation you’re owed.
4. They Twist Your Words
Anything you say to an insurance adjuster can and will be used against you. Even casual remarks about the accident or your injuries can be interpreted as admissions of fault or inconsistency. To avoid falling into this trap, consider letting a lawyer handle communications on your behalf.
5. They Discourage You from Getting Legal Help
One of the most alarming tactics is when insurance companies try to convince you that hiring an attorney isn’t necessary. They might claim it will cost you more or imply that only “guilty” people need legal representation. This couldn’t be further from the truth—those with attorneys almost always secure better outcomes than those who go it alone.
Lloyd & Lloyd Law Is Here to Fight for You
Taking on an insurance company can feel overwhelming, but you don’t have to do it alone. Lloyd & Lloyd has extensive experience standing up to insurance companies and holding them accountable under Oklahoma law.
We fight to ensure you get the compensation you deserve, whether it’s for medical bills, lost wages, or pain and suffering. Don’t let an insurance company take advantage of you—schedule a free consultation today. Fill out a case evaluation form on our website or call us at 918-246-0200.
Let us help you turn a frustrating process into a fair outcome.