8 Secrets Insurance Companies Don’t Want You to Know

May 19, 2023

While it may appear that insurance companies and adjusters want you to feel like “You’re in Good Hands” following a personal injury claim, there are some aspects that insurance companies may prefer not to emphasize when it comes to evaluating your claim. Here are some points to consider:

1. Your claim’s value

Insurance companies may not disclose the true value of your claim and may attempt to settle for less than you deserve. It’s essential to gather evidence, assess the full extent of your damages, and consult with experts to determine a fair compensation amount.

2. Timelines and deadlines

Insurance companies may not be forthcoming about the applicable timelines and deadlines for filing a claim or pursuing legal action. It’s crucial to be aware of and comply with these deadlines to protect your rights.

3. Your right to legal representation

Insurance companies may not actively encourage you to seek legal representation. However, having an experienced personal injury attorney can help level the playing field, ensure your rights are protected, and maximize your chances of receiving fair compensation.

4. Recorded statements

Insurance adjusters may try to obtain recorded statements from you early in the claims process. They may use these statements against you later to minimize or deny your claim. It’s advisable to consult with an attorney before providing any recorded statements.

5. Medical treatment decisions

Insurance companies may try to influence your medical treatment decisions by recommending certain providers or suggesting that certain treatments are unnecessary. Remember, you have the right to choose your own medical providers and make decisions based on your best interests.

6. Pre-existing conditions

Insurance companies may downplay or dispute the impact of pre-existing conditions on your injuries. It’s important to provide accurate information about pre-existing conditions, but also to demonstrate how the accident aggravated or worsened those conditions.

7. Lump sum settlements

Insurance companies may push for quick settlements, often offering a lump sum upfront. However, accepting an early settlement without fully assessing the long-term impact of your injuries and future medical expenses may leave you undercompensated. It’s important to consider the full extent of your damages before accepting any settlement offer.

8. Admitting fault

Insurance adjusters may try to persuade you to admit fault or downplay the liability of their insured. Avoid making any admissions of fault without consulting with your attorney, as this can impact your ability to seek compensation.


About Coffman Law Offices, P.C.

Coffman Law is Chicago’s leading personal injury law firm and is committed to providing superb legal representation for people who are suffering from severe personal injuries or are dealing with the loss of a loved one due to negligence or misconduct. Coffman Law is results-driven law firm focused on ensuring that clients receive the compassion, attention, and consideration that they need to seek adequate compensation for injuries or loss. The firm is led by Owner and Founding Partner Brian Coffman, who has dedicated his career to helping accident victims navigate the legal system and obtain compensation for their injuries.