If you have been injured as a result of someone’s carelessness, more than likely, you will have to deal with an insurance adjuster. Insurance adjusters and the insurance industry will often go to great lengths to obtain information from you early and will also try to push you into an early settlement before you are fully recovered from your injuries.

Here are some common tactics used by insurance companies that you need to be mindful of:

The insurance adjuster may ask you to sign medical authorization forms.

Be very aware of this issue. Most medical authorization forms provided to you by an insurance company are often written to allow the insurance company to obtain all of your medical records and information. This information will not be limited to your medical records regarding the current incident. Instead, it allows the insurance company to obtain all of your past medical records from any and all problems you may have faced in the past that may have no relevancy to your current injuries. If you have ever been to a psychologist or psychiatrist, the medical authorization will also likely allow the adjuster to obtain these records.

Do not sign medical authorizations until you have consulted with an attorney. Signing blanket medical authorizations will do nothing more than allow an insurance company to invade your privacy for irrelevant past medical histories. An experienced West Virginia attorney can help you protect your privacy and knows what medical records need to be provided to the insurance company.

The Insurance Adjuster may refuse to provide you with the negligent party’s insurance policy information

In West Virginia, Code Section 33-6F-2, requires that the insurance company disclose the amount of coverage available on an insured’s policy. Under this code provision, certain information must be provided to the insurance company before the release of the policy information. However, if the information has been provided and the insurance company still refuses to disclose the information, the insurance company could face civil monetary penalties.

The insurance adjuster may use delay tactics to wear you down

More likely than not, you are out of money and the bills are piling up. The insurance adjuster knows that you have bills that need paid and that you have expenses that need taken care of. Lots of times, the adjuster will employ delay tactics like not replying to pertinent communications in an effort to wear you down to a point that you are in need of money and tired of dealing with the tactics-putting you in a place where the adjuster knows you will take a low ball offer.

In West Virginia, certain delay tactics are violations of the unfair trade practices act and can be turned into the West Virginia Insurance Commission. An experienced car crash attorney in West Virginia can assist you when the insurance company has caused unnecessary delays in your case.

The insurance adjuster may be calling you immediately to take a recorded statement regarding your injuries

Upon notice of the claim, the insurance adjuster will likely contact you immediately and attempt to obtain a recorded statement from you regarding the incident and what injuries you may have suffered. Be careful! The objective of the adjuster is often to get you to make statements that will hurt your case in the future. If the adjuster calls looking for this information, thank the adjuster for calling, but tell him or her that you don’t want to give a statement.

If you have been injured in an auto accident, an experienced West Virginia injury attorney can help you to understand the claims process and ensure that your legal rights are protected.

Attorney Timothy Manchin established the Manchin Injury Law Group in 2011 after his law partner of more than 25 years became a West Virginia circuit court judge. His focus is on helping individual clients and entire families victimized by negligent acts.

  • Taylor Downs was easy to talk to (I do not speak the legal language well!) and was very upfront and honest about the entire process of my case. He kept me updated as the case progressed, and answered my relentless questions. The end result was a favorable settlement that I’m not sure could have been any better with anyone else. In short, go see Taylor if you have a case. Don’t be intimidated to go seek his help, he won’t blow your brains out with “legal speak”.

    - PAUL MOUSER

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    - DAWN FRISENDA

  • If I ever have to go through it again I would definetly call Taylor right away. The group was so helpful through my situation and handled everything that needed to be done. They made a stressful situation a stress free situation. With Taylor you dont have to worry about one thing. Definietly would recomend to anyone.

    - TAYLOR G.

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  • Manchin Injury Law Group, Took care of me when I got into a car accident while I was pregnant. Very scary moment for a first time mom but thankfully Manchin Injury Law Group had my back and treated me great. They made me feel as if I was part of their family. My son is now 7 Months Old and very happy and healthy. I’m very thankful for them for helping me through everything and getting me what we deserved. I 100% would recommend them to anyone. If I ever have an accident again they will be my number 1 phone call!

    - SHAWNNA SHAFFER.

  • The support given helped me to feel like I was included in my personal injury case every step of the way. I was informed about the entire process throughout. It was amazing how quick the turn around time was and I would definitely recommend Attorney Timothy J. Manchin to anyone!

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    - TERRI L. ARMENTROUT

  • Excellent experience dealing with Manchin Injury Law. They were very responsive, professional and easy to talk to. I did my homework before I hired a lawyer after my accident and I am so glad I found Manchin Injury Law Group. If you are injured, give them a call!

    - VILLA COVENANTS

  • Taylor and Tim helped make a difficult moment in life, a little more bearable. Easy to communicate with and informative. I will absolutely recommend them to everyone.

    - CHAD BILOTTA

  • Kelly and Taylor did all the hard work so that I didn’t have to. They both cared about my circumstance and got me a nice settlement. Taylor knows what he is doing and I felt comfortable with my case in his hands.

    - JASON + STACIE MORGAN

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    - RENEE FLORENCE WARNER

  • Had a easy and smooth experience with a great attorney so when you go there make sure you ask for Taylor.

    - TIM CROSS

  • My experience at the Manchin Injury Law Group was extremely positive, and I would recommend them to anyone who needs a compassionate and experienced lawyer on their side.

    - TAMMY LACARIA

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