Adjusters Expected Actions When There Are No Observable Injuries

An accident victim with an observable injury would probably receive a series of large bills. The victim’s treated injury would normally share the characteristics of a hard injury. On the other hand, victims without observable injuries would receive much smaller bills, due to the soft nature of their injuries, as per personal injury lawyer in New Glasgow.

If claimant has not reported serious injuries, the adjuster would feel included to offer only a small opening bid.

Adjusters link a small bid to any small/nuisance claim. There are 4 situations that provide adjusters with a reason for making a nuisance claim:

—Situation where claimant is at-fault for accident
—Situation where the evidence indicates that the company’s policyholder was not at-fault
—Situation where there are no real injuries
—Situation where the claimant’s injury was not caused by the reported accident

Characteristics of nuisance claims

Cause adjuster to come forward with low-ball bid; bid has what is called a nuisance value.

Bid’s value does not take into account the victim’s pain and suffering, or the existence of any lost wages

Adjusters hope that claimant will accept the suggested figure. Yet, according to rules of legal system, a claimant has the right to negotiate the terms for any possible agreement.

Though claimants have right to negotiate, not all of them are skilled negotiators.

Depending on the claimant’s concept of cooperation, the act of negotiating with one’s own insurance company could prove quite challenging.

Claimants that chose to hire a lawyer would be better able to deal with such a challenge.

Still, a lawyer would not agree to support a claimant that did not have any real injuries.

The facts in an accident victim’s medical record might be able to convince an attorney of the fact that an apparently minor injury could morph into something that is more serious.

What could happen if claimant has failed to pose strong challenge to an adjuster’s nuisance value?

The adjuster’s argument would overpower any challenge from the claimant. As a result, the claimant’s chances for a fair compensation would all but disappear.

If time revealed the existence of true injuries, it might be too late for the claimant to demand compensation for those same damages. The insurance company would have asked for the claimant’s signature on a release form, before granting delivery of any compensation.

As a result, none of the potential damage claims would qualify for consideration by the insurance company. In other words, the adjuster would have tricked the victim/claimant into accepting the amount of money that had been linked to a nuisance value.

If the claimants were parents, the damages affecting any teens or children would get eliminated from the list of relevant damages. The adjuster could profit at a child’s expense.

More to explorer

Why It Pays To Settle Out-of-Court

Some claimants refuse to accept an offer that has been made by an insurance company, during an attempt at reaching a negotiated