At Apicella & Schlesinger Attorneys at Law, we’ve seen how these tactics can unfairly impact victims, and we’re here to help you navigate these challenges effectively.
Experiencing an auto accident can be overwhelming, but the aftermath—especially dealing with insurance companies—can add even more stress to your life. One of the most common frustrations accident victims face is when an insurance company downplays their injuries to minimize payouts.
Why Do Insurance Companies Downplay Injuries?
Insurance companies are businesses whose goal is to protect their bottom line. Paying large settlements can be costly, so they might:
- Question the severity of your injuries: Suggesting your injuries are exaggerated or pre-existing.
- Delay processing claims: Hoping you’ll accept a lower settlement due to frustration.
- Request minimal medical documentation: Limiting the evidence available to support your claim.
These tactics can leave you feeling frustrated and undervalued—but you have rights and options to fight back.
How to Protect Your Rights
1. Seek Immediate Medical Attention
Document all injuries by getting prompt medical care after your accident. This creates an official record linking your injuries to the accident and demonstrates you took your health seriously. Follow all treatment plans and attend follow-up appointments.
2. Maintain Detailed Records
Keep thorough documentation of:
- Medical records and bills
- Prescription medications
- Physical therapy sessions
- Work missed due to injuries
- Daily pain and limitation logs
- Correspondence with insurance companies
3. Be Careful with Communications
Insurance adjusters may use your statements against you. Never:
Provide recorded statements without legal representation
Accept blame or apologize for the accident
Minimize your injuries or pain
Sign any documents without legal review
Accept the first settlement offer
4. Don’t Skip Follow-up Care
Attend all recommended medical appointments and follow your treatment plan exactly. Gaps in medical care can be used to argue that your injuries aren’t serious or that you contributed to their worsening.