Car Accident, Injury Claim
At Morgan Law Group, our personal injury attorneys in Florida, Louisiana, and Mississippi know most vehicle insurance companies offer their policyholders discounts for good driving habits. Some provide better rates for drivers who have gone consecutive years without an accident claim. Others offer plug-in devices or smartphone app tracking that allows the insurance company to record safe driving practices to reward drivers who do not engage in speeding, rolling stops, or hard braking.
The problem is that these devices cannot provide an objective analysis. This means, if you slam on the brakes to avoid an object that enters the road, or sharply maneuver around a suddenly disabled vehicle, the device does not know you are avoiding a potentially dangerous or injurious circumstance. This could result in not receiving a discount at all.
Worse, if you are in a car accident, the insurance companies — including yours or the other driver’s — may use your tracking data to assign fault where it is not due.
The Insurance Companies May Use Your Driving Data Against You
If you are an active insurance company tracking device user who is involved in an accident, you may lean on the app or gadget to prove you were not at fault for a crash. However, because the data the tracker collects is raw, the insurance company may manipulate the information to avoid paying for your claim.
This becomes increasingly important if the other driver was uninsured, or left the scene of the crash, because the insurance company may determine you were at fault and that you are liable for the damages.
Even when the negligent driver is insured and stays behind after the crash, his or her insurance company may request access to your tracking data from your insurance company and look for anything they can use against you.
In addition to giving up your data, and potentially your privacy, insurance trackers cannot evaluate how the accident has impacted your life.
Insurance companies use formulas and statistics to value your claim from the start. A tracker may tell the representative you were only traveling at ten miles per hour when the crash occurred, which may lead them to believe you simply cannot be “that hurt.”
This is unfair. A fair settlement should cover your medical bills, lost wages, future lost wages, and long-term trauma your injuries have taken on you and your family. These crucial details cannot be determined by a tracking device. They must be assessed based on how the crash has impacted your daily activities and overall quality of life. You do not have to take the insurance company’s word for what your case is worth. We can help.
Contact Morgan Law Group Attorneys Today to Schedule a Free Case Evaluation
If you have questions about your vehicle collision and injuries, and how your or a negligent driver’s insurance company is going to respond to your claim, contact our skilled Florida personal injury attorneys at Morgan Law Group to schedule a free consultation today by calling 888-904-2524 to learn more about your legal rights and options.
Photo by Ravi Palwe on Unsplash
