Danger! St. Louis Car Insurance Claims
What you need to know BEFORE you make an insurance claim
If you have just been involved in a car accident, it is important to speak with an experienced car accident lawyer BEFORE you make the call to the insurance company, even if that insurance company is your own! Here’s why:
Insurance companies record everything you say and the insurance adjusters are trained to subliminally get you talking in hopes of later twisting your words and using them against you in court if necessary. Even if you are involved in a “simple rear-end car accident“, believe it or not, the questions that you will be asked are designed to give the insurance company wide latitude and “circle the wagons” when it comes time to determining what your property damage and injury claim are worth.
So what can you do to protect yourself BEFORE you make the initial call to the insurance company to report a claim? Spend a few minutes and call our lawyers first at 314-444-4444 to get insider advice on how to protect your rights when making the claim. We fight insurance companies in court every single day, and in doing so, have exposed just about every tactic and strategy used by insurance claims adjuster to minimize what you are paid for your claim.
Even simple questions such as “have you ever been involved in a car accident?” are designed to potentially pin fault on your for the crash as well as argue that any injuries from this crash have been caused by a previous accident. If you speak to us first, you will be better prepared to handle the tough questions and unfair tactics that can be used against you by an insurance company during the claims process.
Each of the large automobile insurance companies arguably utilize a claims process that is designed to minimize what you are paid in a claim. These companies include Liberty Mutual Insurance, Nationwide Insurance, State Farm, American Family, Allstate, Farmers Insurance, GEICO, Progressive, and Travelers.
In the situation where one of these insurance giants insures the other driver who caused your crash, you can expect a “nice guy approach” at first when making the intial report of claim, ultimately followed by a much different and less pleasant demeanor when it comes time to actually asking for a fair settlement for damage to your vehicle or for your injuries.
Unfortunately, a common misconception is that when the insurance company is your own, they will treat you fairly when it comes time to asking for compensation. In fact, your own insurance company can quickly become your adversary. But time is your enemy and their friend. They string you along over time while secretly letting you do the things everyone does…but drastically reduces your settlement!
Types of Insurance Coverage that May Apply in a Car Accident
Just because you have a certain type of coverage on your automobile insurance policy doesn’t necessarily mean that it will apply to your crash – at least that is what the insurance company will tell you. Common types of automobile coverage include comprehensive, collision, liability, medical payments coverage, uninsured motorist (UM), underinsured motorist (UIM), and rental car reimbursement. In certain states, you will sometimes see personal injury protection (PIP).
Before you ask the claims adjuster if any of these types of insurance coverage will apply in your case, ask one of our car wreck lawyers first! Why? Simply put, we find that insurance companies regularly conceal coverage or mislead you into believing that certain types of coverage that you thought you paid for do not apply. It makes you scratch your head, but if you remember the fact that insurance companies are in business to make a profit (and they make a ton of it), then it becomes clear why you are mislead into believing that less coverage applies or that your claim is insignificant.
Bottom line, take five minutes and call Schultz & Myers at 314-444-4444 before you speak to the insurance company. At the very least you will be armed with the knowledge necessary to increase your chances of being taken seriously by the insurance claims adjuster and ultimately receiving a fair settlement for the damage to your car and injury claim.