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What You Should Know When Filing an Accident Claim with CSAA Insurance Exchange in California

After a drive in California, you can return home and be amazed at how many close calls you saw or were personally involved in.  Traffic reaches crazy levels and careless drivers can be even crazier. Unfortunately, some of those close calls eventually lead to collisions for even cautious drivers.

Careless and reckless drivers can send multiple vehicles into a crash to cause serious injuries. After you become a victim, you’ll have to fight your way through the at-fault driver’s insurance provider to get even basic support for your recovery.

That company may be the CSAA Insurance Exchange, one of the many insurers offering coverage under the umbrella of AAA. The only thing you can count on is a frustrating experience as you are passed around between phone representatives, all trying to minimize your injury and your bid for help.

Finding Support From CSAA Insurance Exchange After a California Accident

AAA advertises auto insurance, but they don’t actually provide the coverage drivers receive. Triple-A insurance is actually provided by a network of different approved providers in each state. CSAA Insurance Exchange backs thousands of drivers across the state and your chances of getting into an accident with one of their policyholders are higher than you think.

Once you or a loved one has been injured in an accident, CSAA will use their tried and true script to purposely stall and subtract from the compensation you might receive.

Maison Law serving California injury victims has an extensive background calling out insurance companies for the disgraceful treatment of victims. We provide a free case evaluation for victims and their families to make sure they know what to watch out for when on the phone with an insurance representative. If you allow us to represent your case and deal with all the insurance hassles, we don’t get paid until we win your case.

AAA Insurance Tactics to Devalue your Claim

AAA and CSAA adjusters can start their offensive with delay tactics designed to get you desperate. You’ll likely be facing thousands of dollars in medical bills and back payments on your monthly expenses while losing hours at work.

Once you do finally hear from your insurance representative it may be to extend a “lowball offer.” They hope you have reached your breaking point and are happy to sign off on any amount. Your personal injury attorney will steer you out of this trap and become a thorn in the insurance company’s side until they send you a fair offer.

This isn’t the only strategy CSAA Insurance Exchange has lined up to try to rob you of compensation. They will also work to discredit your innocence in an accident and the severity of your injury:

  • Questioning your driving history – Insurance companies look into past accidents you’ve been a part of or traffic tickets you’ve received. They hope to show that you’re a dangerous driver. Your past has nothing to do with the accident the policyholder caused, but if you don’t have legal representation of your own, defending your insurance claim becomes harder and harder.
  • Questioning your injury  – Insurance companies can use private investigators to look into your past injuries. These investigators may even follow you around trying to find something they can use to show you’re not hurt. They might say that your current injury is just a relapse of a prior issue. These shady practices show just how hard insurance adjusters work to avoid taking full responsibility for your hardships.
  • Question your statements – Your car accident attorney will warn you about talking with any insurance representative over the phone. They’ll call you acting as if they care about how you’re feeling and then put you on the spot, asking for a recorded statement. They want to ask you confusing questions about the circumstances of your accident and about your injuries. They hope to trip you up so they can use your statements to poke holes in your insurance claim later. The best thing to do is refuse to make any statements and refer them to your personal injury lawyer.
  • Shift the blame – CSAA Insurance Exchange may use all of these factors to build a weak argument that you deserve only limited compensation for your injury or nothing at all. However, they could also work to shift the blame in an accident to you, even disputing the police accident report showing your innocence. Don’t worry, your lawyer will already be collecting evidence, documents, and witness testimony to shut down any attempts of this nature.

Contact a California Car Accident Lawyer

Victims healing from serious injuries should be focusing on recovery and not on the frustrating tactics of insurance companies like AAA and CSAA Insurance Exchange. Allow an experienced California car accident attorney to deal exclusively with insurance representatives while you work to get your life back on track.

Contact Maison Law for a free, no-obligation case evaluation. CSAA Insurance Exchange will have adjusters, corporate lawyers, and investigators all looking for ways to rob you of compensation. You will have your own legal expert ready to fight back and secure everything you need to rebuild your life.

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