Respuesta Rápida Insurance companies use specific tactics to minimize accidente de auto payouts: requesting early recorded statements, sending pacientes to IMEs, disputing medical necessity, and exploiting documentación gaps. The best defense is immediate, comprehensive medical evaluación with registros listos para litigación.

Tactic 1: The Recorded Statement

Within hours of your accident, the at-fault driver's insurer may call asking for a recorded statement. You are not requerido to give one to another party's insurer. Statements made in shock and pain, before the full extent of your injuries is known, are frequently used to dispute later-developing symptoms. Decline politely and consult an abogado first.

Tactic 2: The Quick Settlement Offer

Early settlement offers — often made before you've completed medical tratamiento or even received your MRI results — are designed to close su reclamo for a fraction of its value before you understand the extent of your injuries. Do not accept any settlement offer before you reach maximum medical improvement and have a complete clinical record.

Táctica 3: La Suspensión por IME

Carriers schedule IMEs with médicos known for issuing denial opinions. The IME report is then used to cut off Sin Culpa benefits. The counter: a comprehensive treating record from MAIC that documents hallazgos objetivos across months of tratamiento — a record that one 30-minute examination cannot credibly override.

Tactic 4: The Pre-Existing Condition Argument

Any prior back problem, neck complaint, or ortopédico history will be used to argue that your current injuries are pre-existing rather than accident-related. The counter is temporal documentación — a treating record that establishes you were asymptomatic or at baseline before the accident, and documents the change in condition following the collision.

MAIC builds records that address all four tactics from the first visit. Call (888) 991-5290.