How Insurance Companies Try to Minimize Your Car Accident Claim

After a car accident, insurance companies often work quickly to limit the amount they pay on claims. While they may seem cooperative at first, their primary goal is to protect their bottom line—not your best interests. Understanding how insurers attempt to minimize claims underscores the importance of having an experienced attorney like Phil Lee by your side to ensure fair compensation.

One common tactic insurers use is offering a low initial settlement. Shortly after the accident, they may provide an amount that seems reasonable at first glance, but often fails to cover long-term medical expenses, lost wages, or non-economic damages like pain and suffering. Without legal guidance, accident victims may feel pressured to accept these lowball offers, closing the door to additional compensation.

Insurance adjusters also try to exploit gaps in evidence or incomplete documentation. They may argue that your injuries are pre-existing or downplay their severity, reducing their liability. An experienced attorney like Phil Lee, a former 1st lieutenant in the Army and a purple heart recipient, will gather and present the necessary evidence, from medical records to accident reports, building a strong case to counter these arguments.

Another strategy involves shifting blame to reduce or deny your claim. Insurers may argue that you were partially or fully responsible for the accident, lowering their payout based on comparative negligence laws. Phil is skilled at navigating these disputes, protecting your rights, and ensuring that liability is accurately assigned.

Insurers may also use delay tactics, hoping that financial stress will push you to accept a lower settlement. With Phil’s support, you’ll have an advocate fighting for timely resolution and fair compensation, so you’re not left waiting for the justice you deserve.

Don’t let insurance companies dictate the outcome of your claim. Contact Phil today for a FREE consultation to discuss your case and take the first step toward protecting your rights.

Lee & Andreano, PC

58 N. Chicago St.

Joliet, IL 60432

Ph: 815-242-2000

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