Insurance Company's View on Causation of a Car Accident

Car Insurance Adjuster Reviewing Damage to Car After an Accident

Car Accidents - Causation

Many people think that when you are involved in a car accident and the opposing insurance company concurs that their insured is responsible for the accident; they will automatically pay. However, they often do not want to pay all the damaged caused by the collision, they would much rather settle for a lesser price. They will use numerous tactics to get out of paying anything at all. One of their common strategies is to take the position that their insured was the one that caused the accident, but the injuries were pre-existing and did not occur during the accident. 

Low Impact Labeling

Take for instance the damage to your car was minor; the insurance company will come back with a label of "low impact" for the accident. Over the past decade, insurance companies are trying harder than ever to fight insurance claims in these minor accidents. To prove their point they will sometimes reference the price to fix the car. If the repairs are between the ranges of $500-$3,000; the accident would be considered to be a low impact collision. Also, the insurance company can also just say the collision is low impact based on the visual aspects of the automobile. If and when they deem an accident with this title, it becomes hard to fight for compensation.