Navigating the Challenges of Dealing with Uncooperative Insurance Adjusters in Louisiana

Navigating the Challenges
March 20, 2024

In the aftermath of a car accident, hurricane, hail storm, or tornado, individuals often find themselves facing not only physical and emotional challenges but also the daunting task of dealing with insurance companies. Unfortunately, it's not uncommon for car or homeowners insurers to employ uncooperative tactics through adjusters, aiming to minimize claim payouts and leave victims feeling overwhelmed and under-compensated. However, understanding these questionable practices and your rights is crucial when seeking fair compensation for your losses.

Recognizing Adjuster Stall and Delay Tactics

Insurance adjusters may employ various stall tactics, which should serve as red flags for claimants. These tactics often include:

  • Extended Handling Times: Failing to promptly handle or assign your claim for weeks or even months.
  • Communication Delays: Repeatedly missing scheduled phone calls and appointments, or failing to return calls and emails for extended periods.
  • Document Mishandling: Claiming to have lost or never received documents and records you've already provided, or requesting duplicate information multiple times.

These tactics not only drain your time and energy, but also lack legal merit. It's essential to meticulously document every interaction in writing to substantiate any bad faith delays and negligence on the part of the insurance company.

Handling Unreasonably Low Settlement Offers

Receiving lowball settlement offers well below the actual losses incurred is another tactic commonly employed by insurance adjusters. However, there are steps you can take to address these inadequate offers:

  • Escalate the Issue: If faced with unfair treatment or unsatisfactory settlement attempts, escalate the matter to a supervisor within the insurance company.
  • Provide Documentation: Present all relevant documentation justifying a fair and adequate settlement amount based on your losses.
  • Seek Legal Assistance: Consider retaining an experienced personal injury or property damage attorney such as Averill & Reaney, which can effectively negotiate on your behalf and ensure you receive the compensation you deserve.
  • Remember not to give in to artificial deadlines set by the insurance company. Your full medical recovery or repair of damaged property should dictate the timeline for settlement negotiations, and it's essential to stand firm on waiting until you accurately value and substantiate your total claim.
Understanding Your Protections Under Louisiana Law

It's vital to be aware that all insurance companies are legally required to act in good faith and fair dealing when investigating, adjusting, and settling claims, as outlined by Louisiana Revised Statute § 22:1973 and § 22:1892. Such violations, including unreasonable delays, refusal to pay covered damages, or attempts to settle for less than the insured’s losses, can result in significant penalties for the insurance company.

If you believe your insurer is acting unfairly or in bad faith, seeking legal guidance is paramount. Averill & Reaney injury and property attorneys can help you navigate the complexities of insurance claims and hold the insurance company accountable for their actions. Whether through official complaints to regulatory authorities or pursuing legal action, you have options to seek justice and fair compensation for your damages.

Contact Averill & Reaney in Covington, Louisiana

You don't have to face the challenges of dealing with uncooperative insurance adjusters alone. At Averill & Reaney, our team is dedicated to advocating for the rights of accident and storm victims and ensuring they receive the compensation they deserve. If you're struggling with unethical insurance practices or need assistance with your claim, don't hesitate to contact us for a free consultation. Let us help you navigate the complexities of your case and pursue the justice and compensation you rightfully deserve.