We’ve all seen the commercials. Some of them are funny, others are heartwarming, but they all have the same message: how hard the auto insurance companies work to protect their customers when they get into trouble, all at affordable rates. When you called an agent to buy insurance, they were probably very polite and friendly.
But television commercials are not real life, and insurance agents are not claims adjusters. After getting seriously injured in a car accident, you might be surprised and disappointed about what happens when you file a claim. The company with the friendly spokesperson who smiles while promising to take care of everything might deny your claim or make a settlement offer that will not come close to paying for your medical bills or lost wages.
Dishonest tactics are not uncommon
Auto insurance is a billion-dollar industry in this country. These huge corporations did not get that way by treating claims from car accident victims fairly. Their policy is to pay as few claims as possible for as little money as possible. To achieve this goal, adjusters often use these tactics:
- Delay the process and fail to return phone messages and emails
- Claim that you were at fault for the collision
- Pressure you to accept a lowball offer while you are unaware of your rights
A rejected claim or inadequate settlement cannot cover your damages. Fortunately, Texas has more than a “take it or leave it” system when it comes to auto insurance injury claims. You have the right to appeal an unacceptable settlement offer and eventually take your case to court if necessary.