Fact: The worst car insurance companies in Washington State that deny valid claims are State Farm, Allstate, Farmers, Progressive, GEICO, and PEMCO. These insurance companies have a bad reputation in the industry for denying valid car accident injury claims.
As consumers, we receive a lot of advertising and marketing about insurance companies, such as State Farm being a “Good Neighbor,” or that “You Are In Good Hands” with Allstate. The marketing message we receive creates a lot of confusion because we think that the insurance companies will help us after a car accident.
You need to understand that auto insurance companies in Washington are “Adversarial,” which means that their interests are in direct conflict with the person who was injured in the car accident. And they will avoid paying at all costs. It is easy to understand why because auto insurance companies are for profit corporations. Every dollar they do not pay out in claims is a dollar they keep in profit. So that is what they are going to do. They will deny and delay paying valid car accident injury claims.
And the problem is made worse because insurance companies understand that people don’t know what they are doing after an accident, and that people also have extremely urgent needs, such as getting their car repaired, getting a rental car, and paying for medical treatment. Questions come up about whose insurance is going to pay for these things, and when are they going to pay them so that bills don’t go to collections and ruin credit scores? Insurance companies take advantage of people’s lack of knowledge and these pressing needs.
Extreme caution must be used when dealing with insurance companies shortly after a car accident because insurance adjusters are highly skilled and trained to sound nice and accommodating over the telephone.
One of the biggest problems we see is lowball settlements. Within a few weeks after the accident, insurance adjusters will use language that misleads people into accepting lowball settlements, which are settlements that are not reasonable and not equal to the damages caused by the car accident. But once a person accepts the low-ball settlement offer, they are extremely difficult to undo. This leaves people with a pile of medical bills, unrepaired vehicles, and out of pocket costs that are never reimbursed.
That’s where we come in. We handle all the communications with the insurance companies so that our clients never have to talk to another insurance company. This gives our clients peace of mind and allows them the time to focus on their medical treatment and to recover from their injuries, knowing that the insurance claims are being handled by attorneys who specialize in this area of law.
Call our office to learn more about how to avoid being taken advantage by insurance companies. Consultations are always free and there is no attorney fee unless we win your case.