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Settling a Car Accident Claim in Albuquerque: Insurance Company Tactics When Making Lowball Offers

If you suffered an injury in an Albuquerque car crash, you suddenly face several challenges. You need to coordinate time off from work, go to medical appointments, and determine how to pay for your ongoing medical bills. And as you recover from your injury, you still have to manage your daily responsibilities. 

Apart from these hassles, you may need to deal with insurance representatives who will make a frustrating settlement offer. Given your financial situation, you might wonder if you just accept the offer. However, accepting a settlement offer without knowing the worth of your injury and other damages can cause you to experience even more financial hardships down the road. So, before you settle your injury claim, consult with an Albuquerque car accident attorney first. Your attorney will inform you of the tactics insurance companies will use to get you to accept their offer. These tactics include the following:

Making a Quick Offer

Car accidents and their aftermath are chaotic. Although the rush of the crash can take place quickly, the resulting car accident claims process takes a long time. When you are approached by an insurance claims adjuster immediately after the crash, they may make an unfairly low settlement offer. The company will want to settle your claim as quickly as possible, so you won’t have time to research your legal options and get in touch with a lawyer. 

Pressuring You

A claims adjuster will pressure you to accept their very low offer. Sometimes, they can become intimidating. They will force you to accept the money and never contact them. However, if an adjuster is pressuring you, it is best not to communicate with them. You should hire an attorney to advocate for you. 

Not Explaining the Math

Once you get the first offer from a claims adjuster, you may have questions in mind. These include how the adjuster calculated your medical expenses and pain and suffering. The adjuster will refuse to answer your questions or explain their estimate because they know the offer is not what you deserve. Being a victim, you have the right to negotiate. Avoid falling into medical bankruptcy as the insurer wanted to protect their bottom line. 

Blaming You for the Crash

The insurance company of the at-fault driver may dispute your claim and blame you for causing the accident. You need to have an experienced lawyer on your side to protect your rights and help you pursue the compensation you are entitled to. 

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