What the Insurance Companies Don’t Want You To Know:
Big Profits = Low Settlements For You

Do not sign anything with the insurance company until you call us first! It could cost you thousands of dollars. Your future depends on it.

Often, the insurance companies quickly reach out to families after an accident with an offer or settlement. The adjuster is friendly and seems to truly care about you. Beware, this offer is rarely enough to cover an injured person’s medical bills and lost wages that can linger for months and even years after the accidents.

Battling insurance companies alone is risky and could result in a very small monetary award compared to what you may be entitled to. Insurance companies want to settle quickly and know that you are under stress to pay bills and put food on the table. They typically offer a lower cash settlement, if you sign their contract.

Here’s the top 8 things you need to be aware of when dealing with the insurance company.

1. Insurance adjusters are trained in negotiations.
   It seems like the adjuster is very friendly and truly concerned about you and your injuries. Beware, their main job is to pay out as little as possible on claims.
2. Insurance companies may not treat your fairly.
   If the other driver was at fault, and you are trying to file a claim against their insurance company, they will delay paying you, deny the claim altogether or give you a lowball offer.
3. Do not accept the first settlement they offer.
   It may not be a fair one, and you will be signing away all your rights to future claims for ongoing medical bills and loss income due to your injuries. Insurance adjusters know you need money to get your car fixed and pay the bills. You are in a desperate situation and accepting the first offer may not be enough to cover your property damage, lost wages, and ongoing medical bills.
4. The insurance company will try and claim you had pre-existing medical problems and refuse to pay.
5. Anything you say can and will be used against you.
6. You don’t have to use their body shop, and if they total your car, you have the right to appeal.
7. Delaying tactics will be used.
   If you don’t settle quickly, oftentimes the insurance company ignores you. They hope to drag things out, and have the statute of limitations run out. They hope you will give up, and miss the deadline to file a lawsuit. It’s in your best interest to hire an experienced attorney and let them start making calls on your behalf.
8. NEVER sign anything without consulting an attorney.
   It is not uncommon for the fine print that says you are signing away your rights to any future damages and claims. Sometimes the resulting injuries will linger for a lifetime. You can’t afford to make this costly mistake. You and your family will suffer.

Do not sign anything with the insurance company until you call us first! It could cost you thousands of dollars. Your future depends on it. Before you accept any offer, call the experienced legal team at Jim Tiller Law. We are happy to offer a FREE no-obligation consultation to help you decide what to do.