Lies the Insurance Companies Tell

At the end of the day, the insurance company is out to make money, so they’ll often do whatever they can to minimize the
value of your claim.

Do you know some of the false statements made by insurance agents to try to settle the case on the cheap?

• They do not have to pay for medical care if your personal health insurance paid for it.
• Do not have to pay your wage loss damages because you took sick time, disability or your employer covered you.
• They only have to pay wholesale value for your vehicle property damage.
• You are at fault and that they have witnesses or information that show that you will not recovery and will not
  get all of your damages.
• That a lawyer will only take away money from you and out of your pocket in a settlement. (this is false because
  we would not take a case if we could not add value to it).
• That there is time urgency to settle your case and that if you don’t settle it right away they won’t offer any
  more money down the road.
• That because of the level of impact your case, they can only pay for a certain amount of medical care, like a
  few weeks of physical therapy or chiropractic treatment.
• That there is no way you could have been as injured as you were from the impact.
• That the insured only has a certain amount of insurance coverage so they cannot pay. (Get a copy of the
  declaration page and the policy terms and make them give you an affidavit that there is no other insurance).
• That they only have to pay med pay and don’t have to pay for your pain and suffering or your other damages.
• No work comp insurance. (Every employer with over 5 employees must have it – turn them into the Department of
  Insurance).
• No med pay or other insurance. (Have them send you the declaration page and the policy)
• Have to settle now or will rescind offer. (They will not).
• A lawyer will just charge you and you will get less money.
• They can only put so much on the case. (Have them call and get more).

Here’s the bottom line. While there are some good people out there doing insurance claims adjustment, their #1 job is to
save the company as much as possible, so it’s not uncommon to see underhanded tactics like these. Always verify
everything.

Settling a case is stressful, so it’s important to be prepared with knowledge. Fortunately, we’ve literally written the
book on settling a case and picking a lawyer! Tell ya what, let me
give you a copy.

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Gary Burger

Founder | Injury Attorney
Gary Burger has dedicated his career to standing up against bullies. The founder and principal attorney of Burger Law | St. Louis Personal Injury Lawyer has helped hundreds of Missouri and Illinois individuals and families recover th …
Years of experience: 30 years
Location: St. Louis, MO

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