Insurance companies will use any argument available to reduce the amount they have to pay to an injured person. These arguments can be quite creative. it is our goal to educate the consumer about the most common defenses utilized by insurance companies. Usually, with proper action, these defenses can be overcome. The following is a partial of common defenses:

• You were more at fault in causing the accident; therefore, you are not entitled to recover anything. (See Page 8, Comparative Fault).

• You were partially at fault in causing the accident; therefore, your damages should be reduced by a substantial percentage. (See Page 8, Comparative Fault).

• Your injuries were caused by something other than the accident in question.

• You were not seriously injured in the accident.

• You were seriously injured in the accident, but you should have gotten better sooner.

• Your medical records show that your injuries pre-existed the accident.

• You exaggerated your symptoms to your doctor. (The book also contains a detailed description of how to grab your doctor's attention when describing your injuries WITHOUT exaggerating.

• You treated too long for your injuries.

• You didn't take an ambulance to the ER; therefore, you couldn't be seriously injured.

• You now have pain that you didn't have on the day of the accident; therefore, it cannot be related to the accident.

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Plus many, many more.