I frequently say to my clients that insurance companies are in the business of making money and collecting premiums as opposed to paying money out to deserving claimants. Insurance adjusters are trained by the insurance company to use common defenses in response to a claim that is presented. The following are some of those common claim defenses that are used by insurance company adjusters to fight back and resist paying fair value for fair and legitimate car accident claims.
The first common defense used by car insurance companies is to claim that there was little or no property damage sustained to the vehicles involved in the collision. This is perhaps the most popular car accident claim defense used by car insurance companies. Their argument is essentially that injury to a person inside the vehicle is unlikely when there is a very small degree or extent of damage sustained to the vehicle.
Therefore, they claim that it’s unlikely that a personal injury could reasonably follow from such a low-impact accident. Typically, we will argue in that situation that lack of property damage does not correlate to lack of bodily injury harm to the person inside. The basis for that argument is that the occupant of the vehicle absorbs most of the damage as opposed to the vehicle itself.