What’s the first thing the other guy’s insurance company representative will want from you after a car accident? He’ll want to take your recorded statement about the accident and your injuries. He’ll also want you to sign a medical authorization so that the insurance company can get all of your medical records all the way back to when you were in elementary school. He might even offer you money to settle your case, and in exchange he’ll want a “full and final release.”
Some Pennsylvania accident victims are catching on. When the adjuster asks them for a statement, they turn it around on the insurance adjuster and ask if they can take the statement of the insured driver who was at fault. (Of course the insurance company won’t allow that).
One of my clients (who came to me after she got tired of the shenanigans of a State Farm investigator) told me that when the State Farm investigator started asking her about prior accidents and injuries, she insisted upon knowing how much bodily injury coverage limits the State Farm insured carried. Now that’s clever.
I have another client who told me when the Nationwide adjuster insisted that his car be repaired at a “certified” Nationwide repair shop, my client began asking what type of money on used parts Nationwide would save if the car was repaired at the “certified” repair shop as compared to another auto repair shop not “certified” by Nationwide. At that point the Nationwide adjuster backed off and explained that my client could get the car repaired where he wanted and Nationwide would have to pay no matter what the cost.
Here’s the jingles we all hear on television and see in print media.
Allstate: “You’re in good hands”
State Farm: “State Farm is there”
Nationwide: “Nationwide is on your side”
Geico has the gecko and the Neanderthal.
Progressive has the catchy TV commercials with Flo. All Flo promises is what the Progressive policy provides for; that is, what the insured paid for.
But, now more than ever consumers need to realize that these companies have no interest in protecting you following an accident. They are profit driven, nothing more and nothing less.
If you’re not sure what to do if you’ve been involved in an accident and the insurance adjuster is knocking at your door, seek out the advice of a qualified personal injury attorney, whether it’s our firm or another firm. There are plenty of good law firms in Philadelphia and the surrounding areas who handle personal injury cases. The point is, be smart. Don’t rely on what the insurance company is telling you.