If you’re involved in a truck accident, you must know how to protect your rights and fight for compensation. Continuing medical treatment, rental car fees, and repairing your vehicle can be expensive, so you need to claim compensation from the truck driver’s insurance company. While insurance companies are expected to provide financial support, sometimes their tactics may lead to denying your claim. Insurance companies use some common tactics to deny truck accident claims.
Disputing Liability
Insurance companies often deny truck accident claims by disputing who was at fault. They may argue that the truck driver wasn’t responsible for the accident, it was your fault, or that a third party was responsible. This can prolong the claim process and force you to spend more money on litigation. However, with the help of an experienced truck accident lawyer, you can gather evidence, such as photographs, witness statements, and police reports to prove the truck driver’s liability.
Pre-existing Injuries
Another tactic that insurance companies use to deny truck accident claims is by claiming that your injuries were pre-existing. Insurance adjusters will scrutinize your medical records and look for any other injuries or degenerative conditions that could have caused your current injuries. However, your medical testimonies and a thorough medical examination can help to prove that the injuries you sustained from the truck accident resulted from the accident and not from pre-existing conditions.
Delaying or Denying Medical Treatment
Insurance companies also deny claims by disputing the accident victim’s medical treatment. They will argue that the injuries you’ve sustained are not that serious. Therefore, your demand for compensation is exaggerated. Also, they may try to delay authorizing medical treatment by demanding additional medical records or forcing you to see one of their doctors. The best way to combat this tactic is to keep proper records of all the treatment you receive, including any communications with insurance adjusters, and consult your truck accident attorney.
Claiming You Didn’t Suffer Any Property Damage in the Accident
Another common tactic insurance companies use is claiming you didn’t suffer any property damage in the accident. This can be difficult to disprove, as insurance companies will often have their investigators who will examine your property and try to find evidence that you didn’t suffer any property damage in the accident. However, suppose you have evidence that you did suffer property damage in the accident, such as photos or videos of the damage. In that case, the insurance company will likely be unable to deny your claim on this basis.
Lowball Offers
Some insurance companies may offer lowball settlements to discourage victims from filing claims or to avoid paying for the total cost of the damages. They may also hope you accept the offer without seeking legal advice. It’s crucial to consult an experienced truck accident attorney who can evaluate your case and determine if the settlement is worth accepting or filing a lawsuit.
Final Thoughts
Insurance companies are legally required to compensate truck accident victims. However, their tactics often lead to claim denials. If you’ve been involved in a truck accident, consult an experienced truck accident attorney who can help you build a strong case and protect your rights. With the help of an attorney, you can gather evidence, negotiate with insurance adjusters, prepare necessary documents, and litigate when necessary to ensure that you get the compensation you deserve. Don’t let the insurance companies deny your truck accident claim.
The Bourassa Law Group is here to manage your Nevada truck accident insurance claims. Don’t wait and seek legal help today! Call us at (800)870-8910 and get a free legal consultation to discuss your case.
1-800-870-8910