Dealing With Insurance After a Car Accident in Batavia
What insurance companies in Illinois don't want you to know
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5 Common Insurance Company Tactics
Insurance companies are in the business of paying out as little as possible. Here are the most common tactics they use after an accident in Illinois, and why you should be aware of them:
The Quick Lowball Offer
Insurance companies may contact you shortly after the accident with a settlement offer that seems generous at first glance. In reality, these early offers are almost always far below what your claim is actually worth. They are counting on you accepting before you understand the full extent of your injuries and damages.
Requesting Recorded Statements
An adjuster may ask for a recorded statement "for their records." Anything you say can be used to minimize or deny your claim. They may ask leading questions designed to get you to admit fault or downplay your injuries. You are generally not required to give a recorded statement to the other driver's insurer.
Denying Valid Claims
Some claims are denied outright, even when they have merit. Insurance companies may claim the accident was your fault, that your injuries are pre-existing, or that your treatment was not medically necessary. A denial does not mean your claim lacks value. It may just mean they are testing whether you will fight back.
Delaying the Process
By dragging out the claims process, insurance companies hope you will become desperate enough to accept a lower settlement. They may request the same documents multiple times, take weeks to respond to calls, or claim they need "more time" to review your case.
Shifting Blame to You
Even in clear-cut cases, insurers may try to assign you partial fault to reduce what they owe. This is especially important to understand because your compensation can be reduced proportionally based on your percentage of fault.
Your Insurance Checklist: Do's and Don'ts
DO
DON'T
When Insurance Denies or Lowballs Your Claim
If the insurance company has denied your claim or offered you far less than you believe your case is worth, a Batavia attorney can make a real difference. Here is what they bring to the table:
Thorough Case Review
An attorney reviews all evidence, identifies weaknesses in the insurer's position, and builds the strongest possible case.
True Value Assessment
Attorneys calculate the full value of your claim including future damages that insurance companies conveniently overlook.
Aggressive Negotiation
Insurance companies take claims more seriously when an attorney is involved. Adjusters know that a lawyer is prepared to go to court if necessary.
Protection from Tactics
An attorney handles all communication with the insurance company, protecting you from the tactics described above.
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What to Say When the Adjuster Calls
Insurance adjusters are trained to minimize your claim. Here's how to handle the conversation.
"I was involved in an accident and I'm seeking medical treatment."
"I'd prefer to have my attorney handle communications."
"I'm not comfortable giving a recorded statement at this time."
"I think I'm fine" or "It's not that bad"
"I'm sorry" or any admission of fault
Specific details about your injuries before seeing a doctor
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