New Hampshire is a wonderful place to live and work. The state does not, however, have many options for public transportation. To get to work, the grocery store and other places, you likely have to rely on your own vehicle. With nearly 30,000 automobile accidents on Granite State roadways in 2018, though, you are at risk of a car crash every time you climb behind the wheel.
If you have ever been in an automobile accident, you know how stressful it can be. Not only do you have to contend with pain, but you also must deal with your insurance company. Unfortunately, your insurer may not have your best interests in mind. In fact, your provider may try to sell you a pack of statements that just are not true. Here are four lies your insurance company wants you to believe.
- You do not need to hire a lawyer
Insurance companies regularly conduct studies to help them make as much money as possible. Internal research tells insurance providers that they usually must pay more for accident claims when customers hire attorneys. If you want to receive adequate compensation for your injuries and property damage, you should not believe an insurance adjuster who tells you not to seek a legal opinion.
- Your pre-existing condition prohibits payments
Your insurance company makes money by collecting premiums and paying out as little as possible. As such, your adjuster may tell you that you cannot receive compensation for an aggravated injury that stems from a pre-existing condition. That simply is not true. You should seek payments for all of your damages, including pain, prescriptions and loss of vehicle use.
- Your insurance provider is your buddy
Insurance company representatives may be good people. They are not, however, your friends. Even if your adjuster has a compelling personality, he or she is likely looking for ways to pay you as little as possible. Rather than letting a representative’s helpful demeanor limit your recovery, you must advocate for your right to receive full compensation for all your damages.
- You must provide a recorded statement
If your insurance provider can get you to admit fault, downplay your injuries or otherwise weaken your case in a recorded statement, you may not receive adequate compensation. Before talking to a representative from your insurance company, think twice about how recorded statements may affect your recovery.
While it sounds cynical, your insurance company likely cares significantly more about its profits than it does about your injuries or property damage. By understanding the lies that insurance providers routinely tell their customers, you can better advocate for your best interests.