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A San Diego Personal Injury Lawyer Discusses Justifications Insurers Use for Lowball Offers

This entry was posted on Wednesday, November 25th, 2015

Posted in News & Articles | Posted by:

san diego personal injury lawyerIf you have been injured through the negligence of another, you may be shocked and dismayed to learn how difficult the insurance claims process is. Common complaints a San Diego personal injury lawyer regularly hears include that it takes forever and when a settlement offer finally comes it is unfairly low. The reality is, however, that insurance companies often do not play fair and justify lowball offers for some of the reasons below.

Your Fault

While an insurance adjuster certainly may question your responsibility for the underlying accident in which you were injured, more often he or she will suggest you could have avoided some of the consequential damages that were incurred. Also, the adjuster may contend you were slow or uncooperative in providing the documentation needed to process your claim when in fact, as a San Diego personal injury attorney can explain, it is the insurer who is responsible for investigating a claim.

Failure to Mitigate

An adjuster may suggest you didn’t do all that was possible to recover from your injuries as quickly as you could, referred to by a San Diego personal injury attorney as mitigating your damages. He or she may even claim your injuries were made worse and try and limit damages.

Prior Litigation

If you have been unfortunate enough to have been involved in a previous personal injury case, this may be held against you. This is an absolutely unfair allegation, but a common assumption by adjusters is that a prior litigation makes this claim seem far more suspicious.

Company Policy

An adjuster may tell you the company has a policy to proceed cautiously and frugally so as to maintain policy premiums as low as possible.

Contact a San Diego Personal Injury Lawyer for Legal Advice

When you file an insurance claim, you quickly find out the insurance company is not your friend. An experienced attorney knows how to overcome adjuster objections and push forward to do everything possible to achieve a fair settlement. For any questions in your case, call George C. Heppner, a San Diego personal injury lawyer, at (619) 235-4300.