Although television commercials may imply otherwise, the insurance companies are not “on your side” if you suffer serious injuries in a vehicle collision. Since these firms make money by collecting premiums and not by paying claims, insurance companies will try almost anything to reduce or deny fair compensation to injury victims.
Since the facts are unclear in many vehicle collision cases, most insurance companies have a number of investigators and accident reconstruction engineers on staff who will dispute the victims’ version of events and cast their insured parties in the most favorable light possible. Yet even in those rare instances that the liability-related facts are relatively straightforward, the insurance company typically still has a few items in its bag of tricks.
No Seat Belt
Like almost all other states, Louisiana has a mandatory seat belt law. As a result, many victims assume that if they were not wearing seat belts, the insurance company can either have their cases thrown out of court or at least significantly reduce the amount of compensation they receive. But under Louisiana law, neither of those things are true. [Read more…] about Three Tricks Insurance Companies Often Try