Richard S. Lundin
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Personal injury and family law attorney licensed to practice in Maryland and the District of Columbia
While many insurance adjusters will cooperate in negotiating a decent settlement, some are so intent on saving their company money that they will do anything to reduce your settlement.

Are you suspicious that your insurance adjuster is taking you for a ride? You may be dealing with an overly aggressive agent if you've heard any of these arguments:

"We need to settle now."

A pushy insurance adjuster may demand that you settle immediately, giving you just days to contemplate their offer. Don't let them bully you into settling before you know the extent of your injuries. You have the right to hold out for a better settlement, even taking them to court if you can't agree.

"You caused the accident."

Since Maryland is a contributory negligence state, you will get no compensation if the accident was partially your fault. Hold your ground, don't admit fault and don't let them trick you into admitting something that isn't true.

You are prohibited from collecting damages if you are even 1% responsible for the accident. Never admit fault to any degree, however minor it may seem.

"The injury isn't from the accident."

This is a common tactic to excuse their insurance company from responsibility, especially if you waited awhile after the accident to report your injury. You may need help from an attorney to prove that the injury was indeed from the accident if you're dealing with an uncooperative insurance agent.

"You made the injury worse."

A pushy insurance agent will look for any reason to reduce your settlement. If they see you canceled an appointment, refused a physical therapy session, etc., they may try to blame you for contributing to the injury and refuse to compensate you adequately.

If your insurance agent is talking like this, you may need to talk to an experienced Silver Spring lawyer who can help make sure you get an adequate settlement.

This is a major reason why it is important to attend all medical appointments and to explore all pains and injuries following an accident.
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