Apps are now commonplace in daily life. They make it simple to stay in touch with friends, stay current on the news, and even have groceries delivered directly to your home. With a number of new apps, insurance companies are now joining the trend.
These apps let you submit a claim, share accident details, take pictures of the accident scene and damaged vehicles, record statements, and even upload claim information directly to your insurance provider. These apps are designed to reportedly speed up the process of receiving compensation for claims. But is your well-being truly what insurance firms care about? Keep reading to find out more about this topic and then contact PLBH at (800) 435-7542 if you require a free legal consultation.
Remember the purpose of an insurance company
Insurance providers are businesses that exist to generate revenue. Although you may find these apps more useful, insurance companies would not provide them if they did not provide a financial benefit. They use two key strategies to achieve this purpose.
First off, by avoiding the need to send an appraiser to the accident scene, customers who utilize the app save the insurance company money. Instead, by taking images and videos, speaking with the appraiser, and even video conferencing, you are doing the work for them. An insurance provider may save thousands of dollars in personnel costs as a result.
It might not seem all that horrible. However, the second method that insurance firms save costs using these apps affects you more directly because it has an impact on the amount of your claim. You lock yourself into a version of the accident’s events when you submit recorded statements or speak to an appraiser or adjuster on a recorded line.
If you’re doing this right away after the event, you might be rattled and not remember everything that happened. Since the insurance company representative has had experience working in this capacity and has not recently been in an accident, they are composed and experienced. His or her responsibility is to make an effort to reduce your claim, not to maximize your compensation.
The adjuster will interrogate you in an effort to lower the value of your claim. Even if your accident was minor, you’ll probably be anxious and upset, which could make it difficult for you to think clearly and provide an appropriate response. Your responses, however, were recorded because you were using the app, thus you are now stuck with these claims.
Talk to an attorney before talking to the insurance company
In general, persons who have been hurt in a car accident shouldn’t speak to an insurance provider before seeking legal counsel from an accomplished personal injury lawyer. You might be able to obtain a significantly better recovery for your injury with the help of a consultation with an experienced attorney.
Because of this, it is crucial that you do not utilize your insurance provider’s app, even if you don’t believe you were wounded or the accident was very minor. More valuable than a speedy resolution through an app is a free consultation with an experienced personal injury lawyer who can help you get the best result for your case.
The knowledgeable personal injury lawyers at PLBH can assist you if you have suffered injuries in a car accident. For a free initial consultation, call (800) 435-7542 or email info@plblaw.com right now. We frequently work on a contingency fee basis, which means that we won’t charge you unless we successfully collect money on your behalf.