Insurance Company Advises Customers How To Avoid Liability For Accident
Insurance Company Tactics Used to Reduce the Amount of Your Claim, Settlement or Potential Award
Car insurance is big business in the U.S. Over 268 million cars, truck, vans, SUVs, and commercial vehicles were registered in 2016 in the U.S. Multiply that number of registered vehicles times the average insurance premium, and it is easy to see that there is much money to be made. The basic economic model of an insurance company is to receive more money in premium payments than paying out in claims. Thus, auto insurers have an incentive to lower the amount of money they pay out in liability. It stands to reason that they might "coach" their customers how to mitigate the company's losses.
The Georgia car collision attorneys with Montlick & Associates represented thousands of clients in personal injury claims against insurance companies. We have successfully represented the good people of Georgia for over 33 years. Call today to learn for yourself Montlick & Associate's history of success, knowledge, and resources can do for you and your family.
"Subtle" Advice Offered by Car Insurance Companies
One popular, discount auto insurer offers advice to its customers on the company's website. When you read the information at first, it seems to be generalized. Some of the information provided is common sense and a good reminder of what to do in the event you are involved in a car crash. A closer look reveals the insurer's intent by providing some "helpful hints."
Of course, insurance companies cannot advise their customers to violate any state laws. However, they can "suggest"specific actions that you, as their insured, might take to avoid or minimize liability. In other words, they subtly offer tactics of avoiding liability to keep money in their vaults.
Insurance companies will find some cases impossible to avoid liability. An easy example of that is when their insured runs a red light and hits another car, resulting in serious bodily injuries. Auto insurers can limit the money they spend on claims by winning the closer cases when liability for the car crash is not as clear as running a red light.
What Advice Does Insurance Companies Give?
At the outset, the insurer included in this discussion wants to you make sure everyone is ok. That is common sense and decency. Then, the subtle psychological training takes over. In sum, the company then casually opines that everyone is accident prone and, by definition, an accident is an unintentional act, therefore determining fault is not easy.
The insurance company indicates that they will use the police's version of events as recorded in the accident report. The company asserts that the police report can "break the tie" in a he said, she said type of argument. However, there is a fundamental flaw in that tactic, however. The police most likely did not personally see the accident happen. Therefore, they need to rely on the people involved, along with witnesses, to figure out why an accident occurred. Also, the insurer cautions people about admitting fault for the accident.
Finally, the insurance company educates their customer about the law of negligence generally. They do not spill any ink discussing why their driver is at fault. Instead, they dive right into discussing complicated legal concepts like comparative negligence. Why? Comparative negligence can reduce or eliminate the financial responsibility an insurer might have after an accident. The insurer is putting the idea in their customers' heads that the other driver may be at fault too.
Montlick & Associates Georgia car wreck lawyers know how to counter these arguments made by insurance companies to make sure justice is done for our clients and their families.
Put Our Law Firm's Over 34 Years Of Legal Experience To Work For Your Case!
If you have been injured in any type of accident caused by someone else's negligence, contact Montlick & Associates today for your free consultation with an experienced Georgia Car Wreck Attorneys. Montlick & Associates has been representing those who suffer serious injuries throughout all of Georgia and in the Southeast for over thirty-four years.
No matter where you are located our attorneys are just a phone call away, and we will even come to you. Call us 24 hours a day/7 days a week for your Free Consultation at 1-800-LAW-NEED (1-800-529-6333). You can also visit us online at www.montlick.com and use our Free Case Evaluation Form or 24-hour Live Online Chat.
Montlick & Associates, Attorneys at Law
17 Executive Park Dr NE
Atlanta, GA 30329
Telephone: 1 (800) LAW-NEED
Telephone: 1 (404) 529-6333