Dealing with an insurance adjuster can be intimidating, especially if it's your first time pursuing a third-party car accident claim. These adjusters like to make confusing claims that may leave you feeling like you don't have a valid claim even if that isn't the case. Here are some of these confusing claims and what they really mean for your case:
The Police Report Doesn't Show Any Complaints
This statement is meant to make you believe that only injury complaints captured in the police report can be compensated. Oh, the insurance company won't come right out and say it that way, but that is the implication. Fortunately, the implication is wrong because the police report is just a preliminary observation; it doesn't contain everything about the accident. Moreover, there are injuries that don't show up for days after an accident; you can't complain about such injuries to the police if you don't know about them immediately.
You Weren't Licensed To Drive
It is dangerous and illegal to drive without insurance coverage. However, there is no law that says an uninsured driver cannot be compensated for injuries caused by other people. You can still recover your damages, especially if the other person was clearly at fault and your lack of driving license didn't contribute to the crash.
Your ER Complaints Are Different From Complaints to the Doctor
Inconsistencies in injuries are some of the things that insurance companies use to weed out fraudulent claims. However, the fact that the ER medics and your regular physician treated you for different injuries doesn't mean that you were inconsistent. The ER is meant to treat emergencies, serious or life-threatening cases that cannot go through the usual channels. Your regular doctor is there to take care of all your health problems. Besides, as explained above, some injuries only rear their ugly heads a few days after an accident; what if these are the injuries your doctor treated but the ET didn't catch?
The Injury Was Caused By an Act Of God
There are extremely few cases in which forces of nature (acts of God, as people tend to call them) cause accidents that cannot be prevented or foreseen in any way. For example, when a sinkhole appears without warning and damages your car, it would be difficult to find anyone liable for the accident. However, when a driver crashes into your car because visibility is poor, it is not really an act of God. This is because drivers are required to be cautious and take the necessary precautions depending on prevailing road and weather conditions. For example, motorists are expected to turn on their headlights and slow down if visibility is poor. You can still win damages if you can prove that the motorist who crashed into you didn't take the necessary precautions.
Speak to professionals like Walsh & Associates, PC for more help.