When a Georgia car crash leaves you with serious injuries that require medical care, you may look to your auto insurer to compensate you and help cover related expenses. However, keep in mind that your insurance company’s goal is to make a profit. So, paying you as little as possible after a crash is often its primary goal.
When your insurer knows it is not going to be able to deny your claim entirely, it may use certain strategies to reduce the amount it must pay you. By accepting your insurer’s first offer, you are doing what it wants you to do – and you may, too, be minimizing how much you ultimately collect. If you refuse your insurance company’s first offer, know that it may do one or more of the following.
Suggest you were at fault
If you refuse your insurance company’s first offer, your insurance agent may begin questioning whether you even have a right to a claim to make its original offer appear more appealing. Your insurer may imply that you were negligent in the wreck, or that the other party did not exercise negligence, in the incident.
Suggest you are exaggerating your injuries
Your insurance company may also try to argue that the injuries you claim to have suffered in the wreck were pre-existing. Conversely, your insurance company may try to make a case that you exaggerated the extent of your injuries or underwent medical treatments that were excessive or unwarranted.
When dealing with your insurance company, remember that you have different objectives. Avoid succumbing to pressure to accept your insurer’s initial offer, because you have no recourse available once you do so.