Imagine if your employer hired an individual responsible for disputing the value of your wages in order to help the employer pay you as little as possible every month. That individual would dig dirt on you, thoroughly review your work performance to discover the tiniest of flaws, and even argue that you do not need so much money.
How would that feel? Definitely not great. And while the idea that such an individual could exist is bizarre, what if we tell you that such people actually exist, though in a different environment, and yet their goal is to give you as little money as possible?
Insurance Adjusters. That’s right. Each year, insurance companies in Florida and all across the United States spend tremendous amounts of money to train their insurance claims adjuster. They are trained to challenge your personal injury claim and work in the best interests of their company.
They challenge both the validity and value of your personal injury claim, and it is not uncommon for insurance adjusters to employ dishonest, and sometimes even illegal, tactics to dispute your claim. And when you, as a person seeking financial compensation, are not represented by a Cooper City personal injury attorney, chances are the insurance adjuster will succeed in his or her efforts by reducing the value of your claim or dismissing it altogether.
They challenge the validity of your personal injury claim
Challenging the validity of your personal injury claim is the first thing an insurance adjuster will do to leave you with minimum or no monetary compensation whatsoever. This includes investigating when the accident occurred (to see if you are prohibited from making the claim because of the statute of limitations), how many days had passed before you sought medical attention, whether your circumstances make you eligible to recover damages, and whether the other party was clearly or unclearly at-fault, among other things.
They dispute the intangible costs in your claim
If your personal injury claim cannot be dismissed due to its invalidity, the insurance adjuster will employ many other tactics to reduce the value of your claim.
“Usually, insurance claims adjusters go after the intangible costs, the category of compensation that is subjective and is more difficult to put a specific dollar value on,” says our experienced personal injury attorney in Cooper City from the Law Offices of Bradley Hartman. “Think: pain and suffering, emotional distress, mental anguish, loss of consortium, and many other damages are considered intangible costs.”
They bring up your pre-existing medical condition or injury
The outrageous yet effective tactic to reduce an injured person’s compensation is using that person’s pre-existing medical condition or injury to limit the value of the claim. While many people think there is nothing they can do when their compensation is reduced based on the pre-existing condition argument, you are actually entitled to seek monetary compensation even if the at-fault party aggravated the underlying condition. So having a pre-existing medical condition before an accident is no excuse to dismiss your claim or reduce its value.
They dispute your future expenses
If you have been severely injured and it will take a while to fully recover, your Cooper City personal injury attorney will help you include your future medical bills in your settlement or verdict. In fact, not only will you be required to pay for your medical expenses in the long-term, but may also not be able to earn as much money as you could prior to the injury. This should be reflected in your settlement accordingly.
Unfortunately, while the loss of earning capacity and future medical bills can add a substantial value to your personal injury claim, the insurance claims adjuster will most likely attempt to challenge the necessity or value of these damages. In fact, some of the most desperate insurance adjusters in Florida may even attempt to challenge the necessity of your ongoing medical treatment as one of the ways to minimizing the value of your claim.
In order to avoid becoming a victim of your insurance company’s dishonest, outrageous, and illegal tactics, hire one of our best personal injury lawyers in Florida. Contact the Law Offices of Bradley Hartman for a free case evaluation. Call our offices at 954-438-1000 or complete this contact form.