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Common Insurance Ploys After an Accident 

The most common way to settle a car accident is through insurance carriers, however when insurance companies use ploys to distract you from getting a fair compensation from the claim, it can be hard to navigate the insurance process. Falling for common insurance ploys can reduce the amount of settlement you may be eligible to receive or set you up for out of pocket expenses. If you are handling your car accident damages, including liability for medical costs through your insurance carrier, you may want to consult with a car accident attorney first. 

Glendale Attorney Looks at Common Insurance Ploys 

It is not the goal of insurance carriers to pay as much as possible for customer’s accidents. Instead, they avoid paying as much as possible, until customers are filled with desperation and settle with the first offer. If you want to avoid common insurance ploys, you need to consult with legal counsel. With a car accident attorney’s help, you may be able to receive higher compensation than you would settling with an insurance courier’s offer. 

At Yarian & Associates, APC we are dedicated to representing our client’s best interests. Though insurance carriers may have tried to reduce the coverage for your medical damages as a result of the accident, we can help you get what you deserve. Filing with a car accident attorney can make sure you hold the other party responsible without any middlemen. 

Contact our attorneys for a consultation at (844) 291-1911 or fill out a free case review at the bottom of the page. We work with clients in Los Angeles, Glendale and throughout California.  


Overview of Common Insurance Ploys Lawyer 


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Delayed Process 

A delayed process can be common following car accident claims. 

Delaying the liability process can occur in various ways including:

  • Delayed communication between insurance and customer (i.e., late response, missed calls, answering machines) 
  • Delayed scheduling of evaluation, assigning adjuster, body shop scheduling 
  • Delayed distribution of documents or payment  

Delaying the claim process can be beneficial for the insurance company, as they set up the customer to reach a point of desperation. If the customer is desperate enough, they will settle with the first offer they receive from the insurance company, which is most convenient to the company.  


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Getting you To Admit to Fault 

Another tactic that insurance companies use is getting you to admit fault. All insurance companies make you provide some kind of recorded statement, especially if there is a disputed liability. However, often times during the recorded statement, the adjuster can push you to answer certain questions in a way where the answer may be misguided or ambiguous. Recorded statements can sometimes be interpreted a certain way. If there is no other party within the claim, there usually is no need for a recorded statement in the first place. Similarly, giving out too much information during the recording can make you vulnerable to such ploys. It is best to stick with short answers if you must do a recorded statement. 


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Making you Settle Too Early 

Adjusters will also try to make you settle too early in order to avoid paying for more. Making you settled too early can be seen in the following ways:

  • Rushing through your claim 
  • Refusing to investigate further 
  • Processing the claim without the customer’s input 
  • Offering the least convenient offer for the customer first before exploring other available options 

If you do decide to settle early on, you may be missing out on more money or a second more desirable offer. 


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Voiding/Cancelling Policy 

Voiding or cancelling a customer’s policy is the easiest way to get out of paying the customer’s claim. If the other party is liable for the accident, the insurance carrier for the other party may refuse to pay out for the accident by stating their client had ended their policy previous to the date of the accident. 


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Additional Resources

Insurance Information Institute (iii) | Auto Insurance Basics – The Insurance Information Institute (iii) provides basic information about auto insurance such as the different coverages available in a basic car insurance policy. The vocabulary used in auto insurances can be difficult to understand, and so individuals may be dumfounded when having to use their policy when filing a claim. 

California Department of Insurance | Insurance Laws – The California Department of Insurance provides California laws for insurance couriers in California. You can find insurance information on the site such as at-fault laws, minimum liability requirements, and more. 


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Lawyer for Common Insurance Ploys in Los Angeles County, CA

If the other party’s insurance carrier is neglecting your injuries or damages resulting from the car accident, you need to consult with a car accident attorney. Insurance companies are only looking out for their bests interests and can go well beyond the ordinary to evade paying for the high costs of a claim. 

To avoid common insurance ploys, a consultation with an experienced accident attorney may be necessary. The attorneys at Yarian & Associates, APC are experienced litigators familiar with the rhetoric used by insurance companies during claims. We will fight aggressively for your rights to receive a fair compensation. 

Contact us at (844) 291-1911 for a confidential consultation or fill out an initial contact form at the bottom of the page. We work with clients in the cities of Glendale, Visalia, Riverside, Pasadena, Long Beach and throughout California. 

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