Being involved in a car accident can be overwhelming and stressful because there are so many administrative aspects that victims have to take care of while they are injured. In addition to experiencing pain and emotional upset, you may have to worry about who will take care of your children while you recover, or how you will deal with lost wages from a financial perspective.
On top of all of this stress, your auto insurance company may not be helping. When you are trying to get the compensation that you rightfully deserve, they may engage in bad faith tactics to try to avoid paying what is owed. You must make yourself aware of the types of tactics commonly used so that you are not taken advantage of.
Delaying the investigation
Insurance providers owe a service to you in return for the payments you make to them. Therefore, when you notify them of the car accident you have been involved in, they have a duty to take action and to make an investigation within a reasonable time frame. They may be delaying action in the hope that you will give up on striving to retrieve the amount you deserve.
Acting in a deceptive way
Insurers should be responsible when it comes to informing you of your rights. However, you should be aware that insurance companies may avoid informing you of the full extent of your coverage to avoid paying you. It’s important to combat this type of deception by getting informed on what your insurance policy entitles you to.
Misinterpreting policy language
Legal language in insurance policies can be hard to fully grasp. Unfortunately, some insurance companies take advantage of this and use it against their customers. This can be very difficult for customers to identify and adequately deal with if they do not have a good understanding of the law.
If an insurance company is trying to disincentivize you from making a claim, this is a clear red flag. Threats of any kind are unacceptable, and you should consider reporting such behavior.
If you are struggling to gain compensation after a car accident in Colorado, take action to ensure that your insurance company does not undermine you.