Tactics Insurance Companies May Use to Unfairly Handle Claims

When we buy an insurance policy, we are signing an agreement with our insurance provider that states that the insurance company is legally required to cover certain damages when they take place under certain conditions. Unfortunately, insurance companies don’t always work in your (policyholder) best interest’ and may use tactics to unfairly handle claims. If you have recently suffered a loss that was covered by a policy and not happy with the settlement amount offered by your insurance provider, you can hire an independent insurance claims adjuster who can assist you in providing a fair settlement. Here are some of the tactics sometimes used by insurance providers to unfairly handle claims-

• Negligence of the policyholder - The insurer may argue that the policyholder was knowingly engaged in risky behavior or was negligent. If the insurance company is able to establish the assumption of the risk defense, the policyholder might not be able to recover any damages.
  
• Limiting Liability- Insurance companies often try to limit the amount of money they have to pay to the policyholder filing for a claim. A commonly followed approach is to minimize the extent of injuries. Companies seek evidence that can show that the accident was not that severe, so that their liability gets limited.
  
• Confusing policyholder with policy language - Many times, insurers may try to confuse policyholders with policy language to avoid having to compensate them. They may cite to an exclusion which limits their obligations towards the policyholder.

Do not hesitate to challenge the assessment of your claim by a company adjuster.  Public claims adjusters are there to protect from bad behavior by insurance companies.

Get in touch with an insurance claims adjuster today to discuss your case and ensure a fair settlement.