Monthly Archives: May 2023
Insurance Agency Strategies Aimed at Reducing Your Claim
This Blog was brought to you by the Carabin Shaw Law Firm, Principal Office in San Antonio
Insurance Agency Strategies Aimed at Reducing Your Claim
When you file an insurance claim after an incident such as a car accident, you expect your insurance company to provide the coverage and support you need. However, it’s important to be aware that insurance agencies have strategies in place to protect their own interests and reduce the amount they have to pay out on claims. Understanding these strategies can help you navigate the claims process more effectively. In this article, we’ll explore some common insurance agency strategies aimed at reducing your claim. More on this webpage
Quick Settlement Offers:
Insurance companies often make quick settlement offers soon after an incident. While this may seem convenient and tempting, it’s important to approach these offers with caution. The initial settlement offer may not fully account for the extent of your damages or future expenses related to the incident. Insurance companies may hope that by offering a quick settlement, you’ll accept a lower amount than you may be entitled to. It’s essential to carefully evaluate the offer and consult with a legal professional before accepting any settlement.
Delaying the Claims Process:
Insurance companies may intentionally delay the claims process as a strategy to frustrate claimants or pressure them into accepting a lower settlement. They may request additional documentation, perform multiple reviews, or prolong negotiations. This delay tactic can be especially burdensome when you’re dealing with medical expenses, property damage, or other immediate financial needs. It’s important to keep track of all communication with the insurance company and maintain documentation to support your claim. Seeking legal advice can help you navigate these delays and ensure your claim progresses in a timely manner.
Denying or Underestimating Liability:
Insurance companies may attempt to deny liability or downplay their policyholder’s responsibility for the incident. They may argue that you were partially or entirely at fault or try to shift blame to a third party. By denying or reducing their policyholder’s liability, insurance companies can limit the amount they have to pay out on your claim. It’s crucial to gather evidence, such as accident reports, witness statements, and photographs, to support your case and counter any attempts to undervalue or deny liability.
Questioning Medical Treatment:
Insurance companies may challenge the necessity or extent of your medical treatment. They may argue that your injuries are not severe or that the treatment you received was excessive. Insurance adjusters may scrutinize medical records, consult with their own medical experts, or request independent medical examinations to dispute your claims. It’s important to maintain detailed records of all medical treatments, diagnoses, and expenses related to your injuries. Consulting with your healthcare provider and obtaining expert opinions can strengthen your case against any attempts to minimize your medical claims.
Surveillance and Social Media Monitoring:
Insurance companies may employ surveillance or monitor your social media activities to gather evidence that contradicts your claim. They may use photographs, videos, or posts to challenge your injuries, limitations, or the impact the incident has had on your life. It’s crucial to be mindful of what you share on social media and to consider the potential impact it may have on your claim. Avoid discussing the incident or your injuries online, and be cautious about sharing any information that could be misinterpreted or used against you. Privacy settings should be reviewed and adjusted to limit access to your personal information.
Lowballing or Undervaluing Claims:
Insurance adjusters may attempt to undervalue your claim by offering a settlement that doesn’t adequately compensate for your losses. They may use various tactics, such as questioning the value of your property damage, downplaying the severity of your injuries, or using lowball settlement formulas. It’s essential to gather evidence to support the true value of your claim, including estimates for repairs, medical records, invoices, and expert opinions when necessary. Consulting with an experienced personal injury attorney can help ensure that you receive a fair and accurate assessment of your claim’s value.
To protect your interests and navigate the challenges posed by insurance company strategies, it’s advisable to consult with an experienced attorney who specializes in personal injury claims. An attorney can help you understand your rights, negotiate with the insurance company on your behalf, gather the necessary evidence, and advocate for the full compensation you deserve. By having legal representation, you can level the playing field and ensure that your claim is treated fairly throughout the process.
In summary, insurance agencies employ various strategies aimed at reducing the amount they pay out on claims. These strategies include quick settlement offers, delaying the claims process, denying or underestimating liability, questioning medical treatment, surveillance and social media monitoring, and lowballing or undervaluing claims. By being aware of these tactics and seeking professional legal assistance, you can protect your rights and maximize the compensation you receive for your losses.
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Do Red Cars Get Ticketed More Often?
This Blog was brought to you by the San Antonio’s Attorney for Traffic Violations Gordon Slade 210-820-3033
Do Red Cars Get Ticketed More Often?
Red cars attract the most attention on the road. Red sports cars are like a Matador’s cape to a bull. While we all like to floor it on an open stretch of road, you reduce your chances of having that much fun and not getting ticketed when driving a red car. The odds of getting a speeding ticket in the US are about 1 in 20. That’s an average number and isn’t designated by the make or color of the car. Revenue from speeding tickets accounts for approximately 6 billion (with a B) dollars a year. It’s a big (with a B) business, and that’s life in the fast lane. Speed can be incredibly tempting when stuck behind a slow-moving vehicle carrying a big load. With all the new construction, large trucks hauling gantry cranes have slowed traffic on our roadway system lately. Passing these vehicles and their pilot car is tricky and can easily result in a speeding ticket.
One of my first cars was a red Austin-Healey 3000 MKII. I lived in a hilly township outside of town and loved to mess with the country cops. I don’t suggest doing anything unlawful and always driving safely, but it’s impossible always to hold it on back country roads while driving a little red sports car. When motoring home late into the evening, I often noticed a cop sitting in a treed cut-out along the side of a particular road. The terrain was hilly, and this is where the fun would come in. Knowing he was there, I’d drop my speed to about five mph over the limit. Sure enough, he would pull out and begin to follow me. As I crested a hill and dropped out of sight, I’d gun it and tear up the next quarter mile before he could crest it. I would immediately slow down to the speed limit once I was on his radar again. This would go on for several miles, and I never got tickets. He knew I was messing with him but had nothing on me. It was just a little bit of harmless fun. There are nine ways to avoid getting a speeding ticket.
1. As stealthy as I was, don’t speed if you are the only car on the road.
2. Stay in the middle of the traffic. If other cars around you are speeding, you won’t be singled out.
3. Don’t use the far left lane except for passing; move right back into the middle or right streets.
4. Avoid weaving in and out like you’re on a track.
5. If following another speeder – a “rabbit,” let him be the first to show up on the radar and use his brake lights to signal you when he spots a cop.
6. Staying under ten mph over the stated speed limit will usually give you a pass. Anything at eight or more miles per hour over, and it’s going to get attention – and you’re going to get a ticket.
7. If you can bear to trade in your re-conditioned Super Sport for a Toyota sedan, you are less likely to be targeted.
8. Get a radar detector. Not all states allow them, so check this out first.
9. Drive responsibly. This goes without saying, but never put you or others at risk.
So you can add to the 6 billion dollar revenue from speeders across the land, or you can pick your times and places wisely and avoid the fine. With the average ticket cost being $150 and the increase in insurance, you would be wise to keep the pedal from pressing the metal whenever you’re in the car.