The Universal Insurance Company Approach to Injury Claims: Demand. Delay. Devalue.
We carry coverage on our homes, our health, our vehicles, and other property just in case something bad happens because it was designed to protect us and serve as an assurance that when something goes wrong, we are covered.
Unfortunately, our Harris County personal injury lawyers know first hand that the universal insurance company slogan — no matter the carrier — is to demand more from the injured, delay their response, and devalue the claim to protect their bottom line.
That is why we are here. To fight for the financial recovery you deserve, without the obstacles.
When Insurance Companies Make Demands, We Aggressively Respond
When they do, they are going to demand a recorded statement to get your side of the story regarding how the accident occurred.
Initially, they are going to act as if they are concerned about your condition. In reality, they are warming up to you to get you to say things like, “I’m okay” or “I feel better,” so they can record your statement and use it against you. After all, you cannot be too injured, if you are “okay.”
They will also ask questions that will elicit responses that can be misconstrued as you — the injury victim — taking some of the responsibility for the crash.
Here’s what you need to know: You do not owe anyone else’s insurance company a statement.
When you refuse to give a statement, the insurance company representative will become aggressive, because you are interfering with their ability to manipulate your conversation.
Tell them to call your attorney, Charles J. Argento & Associates. We will handle all communication with the insurance company, so you can focus on healing.
Delay. Delay. Delay. And Maybe You Will Go Away
When you attempt to handle a car accident injury claim on your own, the insurance company will begin the claim with delays. Delayed responses. Delays in filing paperwork. Delays in providing results.
There are deadlines and statutes of limitation that insurance companies must follow, and to discourage injury victims from pursuing their claim too aggressively, they will delay their response only to say, “You owe us more proof that our driver was at fault.”
They want you to feel unsure about your claim’s validity, so you begin to question whether you deserve financial recovery.
At Charles J. Argento, our Houston personal injury lawyer will handle your claim from the time of the accident through your recovery, ensuring all the legal paperwork is filed properly and on time, so the insurance company cannot delay your recovery any longer.
Lowball Settlement Offers are a Victory for Insurance Companies
The most common insurance company approach to handling an insurance claim is to provide the injured party with a lowball settlement offer, so they can close the book on the claim while paying the lowest amount possible.
This actually works, because injury victims have mounting medical bills and may be out of work, so they need the cash now.
Unfortunately, when these offers happen, the injury victim may not know the extent of their injuries or overall financial needs yet. This means if the injured party agrees to a $10,000 settlement, but their overall accident damages are $50,000, they are going to be on the hook for the other $40,000 in expenses.
These lowball settlements are irreversible, which is why the insurance company counts on them.
Do not accept an offer or sign anything submitted by the insurance company without speaking to an experienced personal injury attorney in Houston first.
You deserve the maximum financial recovery for your claim, and our Houston car accident attorneys will pursue the best outcome available for your unique case.
Call Us Now
If you have been hurt in an accident of any kind, or have lost a loved one in an accident, contact our experienced Houston personal injury attorney today to schedule a free consultation by calling (713) 225-5050 or by contacting us online to discuss your case.