If you have been injured in an accident that was the fault of another party, chances are you will have to deal with their insurance company. Insurance companies come into play in a wide variety of cases where negligence was involved. For example, you might be injured in a car accident that was the fault of the other driver. Perhaps you suffered a slip and fall at a local store. In extreme cases, you might find yourself the victim of medical malpractice due to negligence by doctors who were treating you.
You may often recognize the names of these insurance companies and assume that they are reputable. Be aware, though, that their primary interest is in saving money by severely limiting or not paying out on your claim.
When to Hire a Personal Injury Attorney
If your injuries or damages from the accident or negligence are substantial, it pays to consult with and retain a personal injury attorney who can advise you and represent your interests in this matter. In some cases, you will need their services to conduct investigations, negotiate with the insurance company or file a suit if the case is not settled fairly.
The Insurance Company’s True Interests
When you file a claim with the insurance company of the negligent party, you will be assigned an insurance adjuster who evaluates your claim and computes a possible settlement amount. Even if the individual is very personable and seems to care, know that they are employed by the insurance company and their primary role is to limit the compensation you receive.
Your Personal Injury Lawyer and the Insurance Company
A top-notch personal injury lawyer has years of experience in dealing with insurance companies, and the resources to conduct a complete review of your case. They can advise you as to fair settlement amounts for medical expenses, lost wages and pain and suffering. Because of their extensive experience, your personal injury attorney is well-qualified to negotiate with the insurance company so you come away with a settlement that reimburses you for what you have been through.
Be Careful of Delaying Tactics
When you are dealing with directly with the insurance company after you have filed a claim, they may offer a quick settlement that is much less than the actual damages and is therefore unacceptable. If you refuse to settle at that amount, injured parties often find themselves a victim of insurance company delaying tactics. You may find that the insurance company begins to ignore you or delays things by transferring you to other agents or ‘losing’ your claim. Insurance companies use these tactics so you miss key deadlines to pursue your claim. For instance, in some states for auto accidents you must file a suit within two years after the accident occurred. Your personal injury attorney knows the rules and will keep your claim on track.
If you have suffered substantial injuries or monetary damages due to the negligence of another party, it’s best to consult and retain a personal injury attorney to represent you in the matter. They truly have your interests at heart and can help assure that you receive the money and medical care you truly need.
