Reading Between the Lines
Insurance adjusters know that if you are not represented by a lawyer, then there is no way for you to know just how much you are legally entitled to . The last thing they want you to do is get advice from an attorney so that you know your rights. It makes their job of minimizing losses, generating profits for shareholders, and protecting the interest of the insured party (the person who caused the collision) so much more difficult. Instead they need you to be vulnerable and trusting so that you are easy prey.
Unfortunately, a long battle awaits if you do not accept their initial offer so get ready to:
1. Be overwhelmed with mountains of paperwork.
2. Be placed on hold for countless hours.
3. Have stall tactics used to put pressure on you to settle.
4. Be sent on a wild goose chase for old records.
Before entering into this battle, arm yourself with as much information as you can so that you are not pressured into accepting an offer that could possibly leave you in debt. My job as an attorney is to educate, empower and enlighten you so that you do not fall victim to the insurance company.
Know your rights, talk to an attorney before accepting an offer from the insurance adjuster.