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What insurance companies don't want you to know


THE HIDDEN TRUTHS INSURANCE COMPANIES KEEP FROM YOU ARE NOW COMING TO LIGHT 

 

Most insurance policyholders have no real experience when dealing with insurance claims. Most of them have never filed a major claim. The hard truth is the common insurance policyholder is not nearly as experienced as he needs to be. 

Insurance companies make a lot of money thanks to inexperienced insurance policyholders. They act fast and use methods that go over the head of them. 

Things like that happen every day and it is not fair. That is why we are going to reveal major secrets that insurance providers do not want you to know. 

A PUBLIC ADJUSTER OR A LAWYER IS THE WORST THING THAT CAN HAPPEN TO AN INSURANCE COMPANY 

If there is one thing insurance companies do not want is that you hire a public adjuster. This will remove most of the leverage they have on you -their knowledge- and even the scales. When the negotiations begin, a public adjuster will fight tooth and nail to get you a better settlement and more money from the insurance company. 

That is why they do not want you to get a public adjuster. They will try to close your claim as fast as possible to avoid any chance of that happening. If they quickly close the claim without a public adjuster or a lawyer, insurance companies know they will only have to pay the minimum required by law. A lawyer or a public adjuster will never accept that kind of settlement. 

INDEPENDENT ADJUSTERS ARE NOT AS FRIENDLY AS THEY SEEM 

When dealing with an insurance claim, you will find three types of adjusters: 

  1. Public adjuster: An adjuster hired by the policyholder that works on behalf -and benefit- of the policyholder. 

  2. Company Adjuster: The adjuster working on retainer for the insurance company. They handle all the company’s claims. 

  3. Independent Adjuster: An adjuster hired for the insurance company to work on a specific case. If there is a dispute, the insurance company will hire an independent adjuster. They are not full-time employees of the company. 

 

When an insurance company describes an independent adjuster, they might describe him as friendly or as being on your side. 

But if you look at the facts, you will realize that the independent contractor gets paid by the insurance company. He is a paid contractor whose interest is to protect his source of income, the insurance company. The company will try to fool you telling you he is on your side, because that is in their best interest. See also Public Adjusters VS Independent Adjusters. 

A COMMON TRAP USED BY INSURANCE COMPANIES IS ASKING FOR MEDICAL AUTHORIZATIONS OR RECORDED STATEMENTS

When dealing with insurance companies, you might face a request for signed medical authorizations or a recorded statement. Since you've never encountered a scenario like this previously, you might think this is standard procedure and comply. 

In reality, your insurance company will ask for these documents for two reasons: 

 

  1. They want you on record, hoping you make a mistake, and admit -at least partially- that you weren’t hurt or that it was somehow your fault. 

  2. They also want to have your medical records for shady reasons. They want access to your records to use them against you. Anything they find there deemed useful they will use. 

If you comply with either one of those two things, it will often result in a significant decrease in payment for your claim. 

INDEPENDENT ADJUSTERS ARE ONE OF THE BEST NEGOTIATORS ON THE MARKET 

When an insurance company decides to hire an independent adjuster, they will hire the best. They will look for the best professional negotiators and pay them to make you accept less money. They will talk, bluff and try to confuse you so you accept the lowest payment possible.  Commonly used lies are false time constraints, i.e. “This offer is for 48 hours only, after that, they will drop it” or plain lies “This is the best offer I could get.”

The independent adjuster -the one that was hired by the insurance company- will also act like he is taking your side and putting the blame on the company. He will tell you that if he were you, he’d take the company’s offer because they are a hard case.

But there is no reason to believe him. On the other side, you can trust a public adjuster to act professionally and represent your interests. The independent adjuster will use proven negotiation tactics to persuade you to accept the lowest amount of money possible.

 

COURT IS A NO GO FOR INSURANCE COMPANIES

 

A good negotiator is going to tell you he is willing to go all the way. Any insurance company’s adjuster worth his weight will show he’s willing to go to court. 

But the last thing an insurance company or a company adjuster wants is going to court. The best thing for an insurance company is closing your claim as quickly as possible. The court will put time on your side. 

 

No matter how eager your insurance company is about going to court, you need to understand this is a negotiation tactic, one of the many they will use. 

INSURANCE COMPANIES ARE CORPORATIONS GENERATING HUGE PROFITS EVERY YEAR 

 

One of the methods of insurance companies to get you to soften up is to try to downplay their huge size and business. 

But most American insurance companies are multibillion-dollar corporations. They earn huge profit margins every year and they do not want to lose money paying you what you deserve for your insurance claim. You are a small segment in a billion-dollar worth company portfolio. 

Do not forget you are legally entitled to receive compensation from your insurance company after a disaster. 

It is literally the insurance company’s job to compensate you according to the terms of the contract both parties -you and the company- signed. 

INSURANCE COMPANIES GIVE MILLIONS OF DOLLARS TO POLITICIANS AND LOBBYISTS 

 

A lawsuit is something nobody likes. Not even insurance companies. That’s why they will spend millions of dollars for political favors. Lobbyists and politicians get paid to work for insurance companies and limit your rights as a policyholder. 

And that money is money well spent for insurance companies. Certain state laws will prevent you from suing insurance companies. You are limited by law if an insurance company acts in bad faith.

 

THE BOTTOM LINE IS: INSURANCE COMPANIES will do anything to prevent YOU from hiring A PUBLIC ADJUSTER AND PUSHing BACK 

If you want the best settlement possible, you can get it with the help of ClaimsMate, the best option for a public adjuster search specialist. 

An insurance company wants you to accept the first settlement they offer and close the case. With your public adjuster, you are making use of your rights as an insurance policyholder. The public adjuster will make the insurance company accountable and get you the largest settlement possible...something no insurance company wants you to know.