Essentially, an insurance company should pay settlement for your injuries and car damage after an accident. But, unfortunately, some companies prioritize making profits over their clients' rights. That means they'll do anything possible to avoid paying you the money you deserve.

Therefore, it is advisable to be cautious when dealing with the insurance company. The best way to do this is by working with an auto accident lawyer. Since they interact with insurers often, they are well-versed with their schemes when it comes to compensation. Here are some of the insurer's tricks your lawyer will shield you from.

Claiming You Had Pre-existing Injuries

Insurance agents understand that the judge can award you all the money you claim if you prove that you sustained injuries in your accident. Therefore, they may insist that you had pre-existing injuries before the collision in a bid to avoid the settlement.

Even if you had previous injuries, you shouldn't allow the insurer to deny you compensation for your current situation. But if they request your permission to investigate your medical history, don't consent. More importantly, find a lawyer to help you gather every essential piece of evidence to back up your case. 

Using the Wrong Calculation Formula

You're entitled to get compensation for all the money you spend on medication after an accident. However, you must provide evidence of the services you've received in different facilities. Unfortunately, some hospitals use a complicated billing system that makes it hard to determine the ultimate figure.

Sometimes, the ambulance company, anesthesiologist, surgeon, and hospital management might send different bills. As a result, finding the correct amount to claim can be pretty hard. And the insurance agent can use an incorrect calculation formula to take advantage of the situation. 

Insinuating That You Caused the Accident

Linking you to the accident is another strategy the insurer might use against you. For instance, they can twist the statements you record with the police or your conversations with the other party. That is why it is advisable to avoid apologizing to the other parties, even if you caused the accident.

You should also give your police statement with the guidance of your lawyer. An erroneous statement can work against you when pursuing compensation from the insurance company.

You should avoid the above tricks by all means possible. The best way to beat the insurer is by hiring an experienced auto accident lawyer. That's because they understand the tricks insurers use and the strategies to evade them.

Contact a law firm like Higinbotham & Higinbotham LLC for more information.