How The Other Party’s Insurance Company Might Seek To Minimize Your Claim?

Most insurance companies rely on delay and deny tactics, when seeking to force a claimant to reduce or abandon a personal injury claim. One or both of those tactics might be combined with an effort to minimize the size of the claimant’s compensation.

In some cases, the insurance company seeks further proof of the defendant’s negligence.

The adjuster might search for evidence that the plaintiff had agreed to take part in an activity with a known risk. If an insurer could prove that a claimant had assumed a known risk, before taking part in whatever activity had caused a reported injury, then it would have grounds for denial of compensation.

Personal Injury Lawyer in Mississauga realize now how to deal with the utilization of that tactic. That approach only works if the allegedly responsible facility has not been guilty of gross negligence. Consequently, a personal injury lawyer frequently frames a client’s complaint in a way that supports an allegation of gross negligence by the defendant.

Sometimes the adjuster studies the language in a defendant’s insurance policy.

The same defendant has purchased a policy from the insurance company. That same company has directed the adjuster, as part of an effort to obtain an agreement to a smaller payout.

Adjusters hope that not all claimants understand their rights. Yet smart claimants recognize their right to challenge any insurer’s assessment of what has been claimed in a submitted report.

At other times, the adjuster searches for evidence that a reported injury was not really that severe.

The adjuster’s challenge to the reported claim could be that the observed impact lacked the ability to cause the type of injury that had been mentioned in the claim. The adjuster’s allegation might lead to a request for an independent medical exam (IME).

Sometimes the physician that performs such an exam reaches an interesting conclusion. There have been times when examined claimants were told that the level of treatment given their injury had been excessive.

Whenever adjusters’ efforts to show that an injury was not severe have proven ineffective, then those workers in the claims department try a different approach. That approach entails using the documents in the assigned file.

Among those documents are the papers that have been signed by a given claimant’s doctor. That signature is supposed to support the claims that have come from the victim of the accident. Yet, according to the adjuster’s allegations, the signed document lacks all the facts that would be needed, in order to prove the submitted claim.

Following the introduction of such allegations, an experienced claimant would not hesitate to hire a personal injury lawyer. Those members of the legal community understand how to fight such distortions of the truth.

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