Common Defenses Insurance Carriers Use Against Injured Party
Insurance companies are in the business of keeping money and not quickly paying it out to an injured party. Anyone who has ever filed a lawsuit for personal injuries in New Jersey or any other state knows this premise very well. With that in mind, clients are always amused as to the defenses or "excuses" insurance adjusters make as to why they are not paying the injured person a settlement right away or why they are not offering a lot of money. Most of the excuses are quite ridiculous. Here are some of the most common excuses we hear over and over.
- The police report does not specifically state that the person was injured.
- The injured party did not request an ambulance.
- The injured party refused an ambulance.
- The injured party did not go to the hospital emergency room right away.
- The injured party did not see his/her doctor for a few days after the accident.
- There is very little property damage to the car.
- The injured party seemed fine at the accident scene according to our insured.
- Plaintiff told his doctor he had back pain 7 years before this accident happened.
- Plaintiff must be fine because there were no broken bones or bleeding at the accident scene.
- The injured party did not tell our insured he was injured.
- Plaintiff stopped suddenly, causing our insured to rear end him.
- It was raining out. How was our insured supposed to stop his car.
- Plaintiff did not have his seat belt on so he/she should be entitled to nothing.
- Our insured says he had a green light, so we deny plaintiff's claim.
- The injured party did not tell the ER doctor his back hurt.