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What if you are pressured to accept a partial payment?

Accidents, incidents, injuries or illnesses in San Antonio that require you to deal with insurance companies can be quite traumatic. Your desire, then, to have the whole ordeal over with is understandable. Unfortunately, insurers understand this, and will therefore often look for ways to try and encourage your frustration and worry in an attempt to take advantage of you. Thus, you can rest assured that the initial settlement you are offered is likely less than what you may be obligated to collect. 

Yet you are likely not an expert in insurance law or the claim review process. An insurance adjuster might try to overwhelm you with his or her knowledge, claiming that certain guidelines or regulations will inevitably prevent your claim from being paid in a timely manner, and that if you want to avoid any further hassle, you should simply take what is being offered. Understand that this is a ploy and remember to keep the following points in mind: 

  • Remember that your insurer will have access to records related to your claim, so do not try to embellish any facts and give it a reason to reduce or deny you coverage. 
  • Be careful what you say as you can be sure that the adjuster is recording everything said between the two of you. 
  • Do not accept any payment that is presented as a partial payment with the promise to receive more funds later. 

Remember that while an adjuster is not obligated to protect your interests, your insurer is required to provide coverage as promised. You can remind one pushing you to accept a partial settlement that Section 541.060(6) of the Texas Insurance Code forbids insurers to release a claim were only a partial payment (that has not been agreed upon as a final settlement) has been made. 

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The Law Office of Jessica Taylor, PLLC

The Law Office of Jessica Taylor, PLLC
14100 San Pedro Avenue
Suite 602
San Antonio, TX 78232

Phone: 210-265-6759
Phone: (210) 402-4022
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