Why Insurance Companies Are Able To Underpay Claims

After sustaining a serious injury in an auto accident, it is imperative to find qualified medical care. Yet medical care is, of course, expensive — and indeed, many cannot afford the help they need. This is where personal injury claims come in. Namely, through a personal injury claim, accident victims can receive compensation for their medical costs and other expenses, which will be paid by the at-fault driver's insurance company.

Yet insurers often try to underpay claims. It is in their financial interest to do so. They have an array of tactics intended to confuse and deceive those who need help. As a result, many accident victims find themselves without the financial relief required for their recovery.

The attorneys at Mason Kelly & Collier know how to fight back. Drawing on more than 75 years of combined experience, we are intimately familiar with the ways insurers try to mislead victims of truck accidents and car accidents. We help our clients avoid the technical mistakes insurance companies seize on to challenge claims, and are aggressive in our negotiations with insurers, unwilling to let them settle for less than a claim's full worth.

The Tactics Insurers Use

Among the most frequent tactics used by insurance companies are the following:

  • Getting victims to admit fault — It is common for insurance company representatives to show up at an accident site or hospital to conduct interviews with victims. While they may appear helpful, they are often on a mission to convince injured individuals to admit fault for an accident. When victims do so, they sabotage their ability to collect compensation.
  • Offering inadequate relief — After an accident, insurers will often make an offer to settle a claim that may seem lucrative, but is ultimately insufficient. The amount of compensation needed is not easy to discern; many injuries require ongoing medical care that can stretch on for years. Those who accept immediate offers typically find themselves shortchanged.
  • Using surveillance — In their efforts to challenge victims' claims, insurance companies will hire investigators to keep tabs on the activities of injured parties. They track victims' social media accounts, and at times engage in traditional stake-outs, following individuals in their day-to-day routines.

Accident victims must be careful. Otherwise, they risk losing the financial compensation they need. That's why we work closely with our clients, helping them avoid common mistakes, and acting as assertive legal representatives at every step.

The I-40 Accident Attorneys Fight Back Against Insurers

To speak with an attorney, reach out to our firm. We have offices along I-40, I-30 and Highway 67, preparing us to begin our protection of auto accident victims immediately.

You can call us at 800-261-7037 or schedule an appointment online. Initial consultations are always free.