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How to Avoid Insurance Companies’ “Swoop and Settle” Scheme

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You’ve just been involved in a bad wreck. You’re in pain and disoriented, but able to do everything you’re supposed to do. You exchange insurance information with the other driver, take photos of the damage, gather witness information, and get to the doctor. What comes next you might ask?

Often, the other driver’s insurance company will contact you and try to settle the case immediately before the full extent of your injuries are known and before you have the chance to speak to an attorney. This is commonly referred to as a “swoop and settle.” They will also want to take your recorded statement, but it is important for you to know that everything you say to the insurance company can and will be used against you. You may be vulnerable after a wreck, and insurance companies use this to their advantage to lock you into a cheap settlement of your claim before you even know the amount of your first medical bill. Do not settle your case too soon. Once you settle it, even if you turn out to be more injured than you originally thought, you’ve already given up your rights, and you’re almost certainly out of luck.

Don’t fall prey to insurance company abuse. If you are hurt, it is crucial to talk to a personal injury attorney before signing anything and giving up your rights. The insurance adjusters might not have your best interests in mind following a car crash; therefore, you need a compassionate and experienced attorney on your side. If you have been injured in a car wreck, call Paradowski Law.  Don’t let insurance companies take advantage of you.

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