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Local Business

Five More Car Accident Claim Tricks & Traps: Don’t Settle for Less


Following a car accident, you may be tempted to represent yourself in an insurance claim, but statistically, this reduces the amount you will receive from the insurance company.

A study by the Insurance Research Council (IRC) found car accident victims represented by an attorney received 350 percent more on average than unrepresented parties.

Most recently, Pignatelli & Associates P.C. in Rock Falls represented someone injured in motor vehicle accident case and obtained a settlement exceeding $1 Million for the client.

Pignatelli & Associates offers these 5 tips to help you successfully settle your car accident claim:

1. This Call May Be Recorded

Some insurance adjusters may try to get the upper hand by asking for a recorded statement. There are many questions that may take things out of context and allow insurance adjusters to twist your answers to hurt your claim.

2. Insurance Adjusters are not Medical Doctors

Insurance adjusters may argue the amount of medical treatment was excessive. They will use your medical record against you to minimize the value of your claim.

3. More than This Call May Be Recorded …

When you are in public, even when you are outside your home, you may be under surveillance by the Insurance Company. If an adjuster can get video or photographic evidence of an injured party doing a physical activity, it could potentially decrease the value of your claim.

4. Insurance Adjusters are Not Your Friend – Not Even on Facebook

Facebook, Instagram, Twitter – Insurance companies have accounts to search for photos or comments that might be taken out of context to hurt your claim. Visit the Pignatelli & Associates Facebook page for a guide to social media to ensure you aren’t short-changed in negotiating your claim.

5. Insurance Adjusters are not Lawyers

Insurance adjusters are not lawyers and they are definitely not your lawyer. They may seem like they know what they are talking about when they discuss things like your “legal rights” with you, but they have no obligation to advise you in your interests.

Pignatelli & Associates P.C., 102 East Route 30, Suite 1, Rock Falls, IL 61071, 815-626-0500,