[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/www.moorelawfirm-al.com\/5-things-auto-insurance-companies-dont-want-you-to-know\/#BlogPosting","mainEntityOfPage":"https:\/\/www.moorelawfirm-al.com\/5-things-auto-insurance-companies-dont-want-you-to-know\/","headline":"5 Things Auto Insurance Companies Don\u2019t Want You To Know","name":"5 Things Auto Insurance Companies Don\u2019t Want You To Know","description":"When you\u2019ve been hurt in an auto accident, handling a personal injury claim without an attorney often results in recovering little or no compensation. An insurance company\u2019s top priority is to do everything it can to minimize your settlement or deny your claim altogether. To protect the company\u2019s bottom line, an insurance adjuster uses a variety of tactics and keeps important auto insurance facts from you. Our\u00a0personal injury attorneys\u00a0at Moore Law Firm in Mobile, Alabama, understand the games insurance companies…<\/span>
Continue Reading ››<\/a><\/div>","datePublished":"2019-11-30","dateModified":"2024-06-24","author":{"@type":"Person","@id":"https:\/\/www.moorelawfirm-al.com\/author\/fred\/#Person","name":"Fred Moore","url":"https:\/\/www.moorelawfirm-al.com\/author\/fred\/","identifier":4,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/5ac7e79885edcb8c05f5927d059dc10f69b01d03e77bde87b1d4425aafa74ad9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/5ac7e79885edcb8c05f5927d059dc10f69b01d03e77bde87b1d4425aafa74ad9?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Moore Law Firm","logo":{"@type":"ImageObject","@id":"https:\/\/www.moorelawfirm-al.com\/wp-content\/uploads\/2014\/11\/logo.jpg","url":"https:\/\/www.moorelawfirm-al.com\/wp-content\/uploads\/2014\/11\/logo.jpg","width":238,"height":100}},"image":{"@type":"ImageObject","@id":"https:\/\/www.moorelawfirm-al.com\/wp-content\/uploads\/2020\/02\/Auto-Accident-Insurance-Attorney-e1580747050115.jpg","url":"https:\/\/www.moorelawfirm-al.com\/wp-content\/uploads\/2020\/02\/Auto-Accident-Insurance-Attorney-e1580747050115.jpg","height":234,"width":350},"url":"https:\/\/www.moorelawfirm-al.com\/5-things-auto-insurance-companies-dont-want-you-to-know\/","about":["Blog"],"wordCount":764,"articleBody":"When you\u2019ve been hurt in an auto accident, handling a personal injury claim without an attorney often results in recovering little or no compensation. An insurance company\u2019s top priority is to do everything it can to minimize your settlement or deny your claim altogether. To protect the company\u2019s bottom line, an insurance adjuster uses a variety of tactics and keeps important auto insurance facts from you. Our\u00a0personal injury attorneys\u00a0at Moore Law Firm in Mobile, Alabama, understand the games insurance companies play, and they tell you what auto insurance companies don\u2019t want you to know.1. The Insurance Company Isn\u2019t Your FriendAfter an accident, the insurance company representing the other driver calls you about your claim. They want you to believe they\u2019re your friend and are only trying to help you through a trying time, but they’re not on your side. A claims adjuster\u2019s job is to protect the company from paying you any more than they have to by disputing or even denying your claim. You shouldn\u2019t answer any questions the adjuster asks or sign anything until you\u2019ve spoken to a personal injury attorney.2. They Use Delaying TacticsInsurance companies aren\u2019t obligated to treat you fairly, and their priority is to try to get out of paying claims or limiting the amount they pay. A common tactic is to delay handling your\u00a0claim.\u00a0The purpose is to increase your worry overpaying your bills and make you more open to accepting whatever amount they offer.Another ulterior motive of delaying payment on your claim is to run out the clock on your right to file a lawsuit. In Alabama, unless you\u2019re a minor or you\u2019ve been declared incompetent, you only have two years from the day of your\u00a0car accident\u00a0to file a personal injury claim.\u00a0Once this statute of limitations expires, you lose your right to seek compensation through the courts.3. Settlements Are Often LowballedUnderpaying legitimate claims saves insurance companies billions of dollars. They know car accident victims are under a lot of stress as they worry about mounting medical bills and how they\u2019re going to repair their car. They prey on this vulnerability to try to get you to settle quickly, minimizing the settlement amount. Insurance companies almost always offer a lowball settlement first, and these offers are frequently accepted because the claimant doesn\u2019t have all the auto insurance facts. In Alabama, you can recover economic and noneconomic damages, including medical expenses, pain and suffering, and lost wages, so don\u2019t settle for less than you deserve.4. You Don\u2019t Have To Accept A SettlementMany companies use a \u201cTake It or Leave It\u201d tactic to make you believe that their first settlement offer is the only offer you\u2019re going to get, and if you don\u2019t take it, you\u2019re going to be left with nothing. This isn\u2019t true. If the offer won\u2019t even cover your current medical and car repair bills, turn it down. If you accept a settlement before the extent of injuries or bills are known, you may receive a much shorter amount than what you really need. Once you accept a settlement, you can\u2019t get a second settlement to cover any leftover or new costs.5. You Can Hire An Attorney ImmediatelyInsurance companies discourage you from hiring an attorney by trying to convince you that you don\u2019t need one and that you\u2019ll get way less money because of the attorney\u2019s fee. They may also say you must wait to hire an attorney until they\u2019ve had an opportunity to settle the claim first. You don\u2019t have to wait to hire an attorney and should hire one immediately after your accident.A personal injury attorney knows how to negotiate with insurance companies to get you a higher settlement than you would on your own. An attorney negotiates for the highest possible settlement, and even after they collect their fee, your settlement is still higher than what\u00a0you would have received.Get The Auto Insurance FactsFor more than 35 years, Moore Law Firm has helped clients who have suffered personal injuries in Mobile and throughout Alabama. Our personal injury attorneys provide individualized, straightforward legal representation and fight to help you recover the maximum compensation you deserve. We work on a contingency basis, so there\u2019s no fee until we successfully win your settlement. If you\u2019ve been injured in a car accident,\u00a0contact us at 251-445-7602 for a free, no-obligation case evaluation today."},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"5 Things Auto Insurance Companies Don\u2019t Want You To Know","item":"https:\/\/www.moorelawfirm-al.com\/5-things-auto-insurance-companies-dont-want-you-to-know\/#breadcrumbitem"}]}]