The process of managing insurance claims can be both challenging and demanding at the same time. According to recent updates from the Michigan Department of Insurance and Financial Services (DIFS), numerous individuals inadvertently needed to be corrected while navigating insurance claims, jeopardizing their prospects of receiving fair compensation.

The Michigan Insurance Code requires insurance companies to

  • Tell you what information is needed to handle your claim within 30 days of hearing about the accident
  • Pay a part of the compensation after receiving sufficient proof, and pay the rest after the remaining documentation is received

It’s crucial to avoid errors when seeking compensation. Exercise caution in your interactions with the insurance company, as the information you provide can significantly impact the success or failure of your claim. Before saying anything, consult a Michigan personal injury lawyer who will assist you in pursuing legal compensation when the negligent action of another leaves you with the death of a loved one or an injury.

This article offers insights into the typical errors you should avoid when interacting with an insurance company in Michigan.

Let’s dive in!

The Mistakes to Avoid While Speaking with an Insurance Company:

Father shaking hands with insurance agent

Failing to hire a lawyer:

Before meeting with an insurance adjuster or signing any document, it is vital to get the help of a lawyer to guide you through the process. Many people realized later that the insurance company added specific information that lowered the initial compensation they were offering or, in some instances, led to a complete denial of the offer. A lawyer will prevent this from happening.

Avoid sharing names of people you know:

An insurance company, upon receiving a claim request, will start investigating the claim. Their objective is to lower the settlement as much as possible, or even deny it altogether. Sharing information about your family will allow them to spy on you. They’ll attempt to collect additional information about your current financial and health status. Even if someone you know shares something positive, the insurance adjuster may twist the person’s statement and make it work against you.

Don’t give recorded statements:

Be wary of insurance adjusters asking for certain statements to be recorded. They’ll go through those statements again and again, trying to find inconsistencies. The adjuster may also use parts of your statements out-of-context and use them against you.

Admitting Fault:

Do not admit fault. Avoid using the word “sorry,” even if it might appear to be a polite gesture. Most of the time, many people use apologetic expressions unconsciously. This kind of language acknowledges the situation’s responsibility, which can lower the value of your claim.

Accepting the first settlement offer:

Insurance companies present early offers to vulnerable victims. Since they know you lack knowledge of personal injury law, they expect you to believe that the amount is significant. It will be less than what you need to cover your losses. Always make sure to consult a lawyer before accepting any offers.

Revealing your physical or emotional condition:

Several conversations start with questions like “How are you?” If your response is “fine,” the insurance company will use it as evidence to argue that you are not suffering as much as you claimed. It is essential to consult your lawyer to understand the claim process before revealing your condition.

Final Words

To summarize, it’s essential to be vigilant and knowledgeable when speaking with an insurance company in Michigan to avoid common mistakes like admitting fault and talking about your physical or emotional condition. Effective communication will enable you to get the compensation you deserve.

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