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5 Things Insurance Companies Will Use Against You in Your Indiana Car Accident Claim


If you have been injured in an accident and are pursuing an Indiana car accident claim, you should be well-prepared for the tactics that insurance companies use to minimize or reject accident claims every day. An Indianapolis, Indiana attorney can help protect the integrity of your claim.

5 Common Insurance Company Tactics

There are 5 classic things the insurance companies will attempt to use against you in your Indiana car accident claim.

1. No Witnesses

If there were no witnesses to support your version of the accident, expect some resistance from the insurance companies. Any uncertainty in the circumstances of the accident will equal doubt in their language and will result in an attempt to minimize your Indiana car accident claim.

2. Incomplete Treatment

If you missed doctors’ appointments or physical therapy or failed to complete your treatment in some other way, the insurance companies will use your gaps in treatment as ammunition to attack your Indiana car accident claim. They will allege that because you weren’t in perfect attendance, your injuries are not as serious as you claim, and as such, you’re not entitled to damages for your claim.

3. Invisible Injuries

The insurance companies will attempt to minimize your claim if your injuries are not visible or objective. For instance, back pain is unique and even medical experts cannot always point to the exact reason for pain or discomfort a victim may experience. Closed-head injuries that entail brain damage also tend to “look” much less serious than they really are, but insurance companies unscrupulously dismiss these injuries.

4. Pre-Existing Conditions

If you have a pre-existing medical condition or injury, insurance companies will extend every effort to show that your current pain or injuries could be associated with or the cause of your previous complications. An Indianapolis, Indiana attorney can make your case and differentiate between the root of your current pain and the history of your previous medical conditions. Therefore, you will need to be completely honest with your attorney and your medical team.

5. Aggressive Claims

If you have a history of claims over the past 10 years, the insurance companies will accuse you of aggressive claims and trying to exploit the system – even if those claims were all justified and legitimate. An Indianapolis, Indiana, attorney will treat your claim as the unique case that it is and defend your case against the tactics of the insurance companies.