Most of us don’t regularly contact our insurers. We pay our monthly premiums and move on until there’s an accident and we need coverage. Unfortunately, you might have trouble getting that coverage when it really counts.

There are a few key things to know about insurance companies before you accept any offer. Fortunately, the team at Craig Swapp & Associates knows this and is ready to help. If you have questions or concerns about your case or the offer you’ve received, reach out to us for help.  

They’re Not Always on Your Side

It’s unfortunate, but while you’ll almost certainly have some form of insurance under Utah law, it’s not always going to be helpful after an accident.

At the end of the day, the insurer’s goal is to make a profit—that means compensating you isn’t a priority, and the insurer will likely fight the loss in any way it can.

You need to be careful with any contact you have with the insurance companies. They will take anything you say to them—especially in terms of fault—and use it against you if possible.

Getting a Settlement Might Be Difficult

You can expect several tricks from the insurers, and they’re all meant to make you desperate enough to accept a settlement that’s much lower than what you deserve. After all, you only have four years to file a lawsuit in Utah, and insurers have no problem pushing that time limit to force you to accept an offer. If some time has already passed and you still haven’t settled, this could be stressful.

Unfortunately, insurers have plenty of ways to get injury victims to accept whatever offer they give them, such as the following:

  • Lowballing a settlement
  • Responding slowly or ignoring you
  • Bullying and intimidation

When you’re trying to get on with your life, this is frustrating and upsetting, but you don’t have to fight back alone.  

Our Firm Can Fight for You

Fortunately, at Craig Swapp & Associates, you have a team to fight for your right to the compensation you deserve. Getting back on your feet after an accident is never easy, and when the insurance company causes issues with your case, it’s even more frustrating.

There are plenty of other things to know about insurance companies before you accept a settlement offer, and a lawyer can help you with those issues. With a member of our firm handling your case, you may be able to get the settlement you need without ever going to court. No matter what direction your case takes, we’re committed to giving you the representation you deserve.

For more information on insurance companies and what you should expect after an injury, call us at 1-800-404-9000 or fill out our online contact form below.