Luckily, if you’re involved in a collision in Massachusetts, your own insurer is responsible for compensating you after an accident. Massachusetts uses the no-fault system, meaning you would file a claim with your own insurance company after a collision, even if someone else caused it.
The compensation your insurer provides is meant to help you with medical bills, lost wages, and other such losses resulting from a collision. However, while they may technically be your insurer, that doesn’t mean the insurance company is inclined or incentivized to offer you the full amount of compensation for which you may be eligible.
In addition, there are instances when it’s possible to step outside of the no-fault system in Massachusetts. You could file a separate claim or lawsuit with the insurance of the negligent party who caused your accident if your injuries are particularly severe. An attorney can explain to you whether your injuries and losses meet the criteria necessary to justify filing a separate claim against a third party.
The main point to understand is that seeking compensation after a motor vehicle accident will involve negotiating with an insurance company. It’s thus important to understand how insurance companies may trick claimants in an attempt to settle their cases for as little as possible.
Common tricks insurers use include:
Catching a Claimant Making Contradictory Statements
You must be very cautious when speaking with an insurance adjuster. For instance, the adjuster may ask you how you’re doing when starting out the conversation.
Don’t say anything common like “I’m fine” or “I’m doing well.” The adjuster might then cite these statements as evidence that your injuries aren’t as severe as you claim.
Suggesting a Claimant Isn’t Covered
Some insurance adjusters simply trick claimants by stating their policies don’t cover their accidents. An insurance adjuster using this trick on you might assume you won’t bother to read through your policy’s terms to find out if they’re telling the truth.
Misrepresenting Social Media Posts
It’s best to stay off social media when seeking compensation after an accident. An adjuster could take content you’ve posted and twist it to fit their aims.
Maybe you’ve posted pictures of yourself and others participating in a beach vacation. The insurance company might use these pictures as evidence showing your injuries aren’t severe because you’re well enough to take a trip.