Delay, Deny, Defend – Prepare Yourself For This Insurance Company Tactic

Car Insurance. Every month you pay a premium to protect your vehicle, the second biggest investment you’re likely to make, in case of a loss caused by an accident.

If that accident happens, your insurance company is required by law to make you, their policyholder, whole again. Unfortunately, they don’t always act in your best interests.

In fact, many insurance companies engage in a well-documented strategy designed to minimize the amount they pay for justified claims.

If you’d like to speak with us, give us a call at (828) 569-1275 or click here to contact us online!

It’s called “Delay, Deny, Defend.”

  • Insurance companies first seek to delay payment of justified claims. They used to come out to look at your vehicle within two days of an accident. Now it can take two weeks or more, especially when you take your car to a shop that isn’t on their direct repair program, and therefore hasn’t entered a contractual agreement to repair your car cheaply.
  • During that time, they’re looking for every opportunity to deny your claim, or scare you into the lowest possible settlement.
  • Then, if they’re unsuccessful in denying the claim, or getting you to settle for pennies on the dollar, they underpay the cost of repair, forcing you to either pay out of pocket or seek legal counsel and defend your claim in court.

What’s Behind This Tactic? Profit.

Why would an insurance company adopt such an aggressive policy against its own customers? Because it works. The big insurance companies are seeing record profits.

Think about it. If an insurance company can save a thousand dollars on a million claims, well… you can buy a lot of Super Bowl commercials with that kind of money.

And despite what they’re telling you in their multi-million dollar ad campaigns, they don’t have your best interests in mind.

It’s all about the bottom line, about keeping your insurance premiums in their pockets.

Prepare Yourself

So, if you’re in an accident, take what your insurance company tells you with a grain of salt. Understand that they’re using a strategy designed to intimidate you into accepting a settlement on their terms. And, most importantly, understand that it’s your legal right to get a repair and a settlement that restores you to pre-loss condition.

Contact K&M Collision

K&M Collision, as a Pro-Consumer shop with no contractual obligations with insurance companies, has years of experience helping customers get a fair settlement after an accident. In fact, we can handle every aspect of your claim, from filing the initial claim, to making arrangements for a rental vehicle. Just give us the keys and we’ll take care of the rest.

If you’d like to speak with us, give us a call at (828) 569-1275 or click here to contact us online!