Exploring Insurance Options to Settle a Personal Injury Claim
If you have been injured in an accident, one of the first paths to seeking compensation is looking into an insurance settlement. While it may seem like a resolution would be simple and clear, there are many ways insurance companies push back against claims.
With insurance company negotiating experience, a Bucks County personal injury attorney can help. Without a legal professional, you may end up settling for an amount far lower than you would be able to secure with the help of an attorney.
How Insurance Companies May Attempt to Deny Claims
Unfortunately, claims adjusters may work to find weaknesses in your personal injury claim. They do this to either deny a claim completely or undervalue the value of a claim. The process saves the company from financial losses.
Ways that insurance companies may undervalue claims:
- Making an attempt to shift blame.
- Bringing up lack of documentation.
- Questioning timeline of filing claim.
- Holding statements against the victim.
- Offering a smaller amount than is fair.
Because insurance adjusters attempt to deny claims, it is important to have a legal professional on your side and follow their advice each step of the way. Individuals are rarely involved in personal injury claims, but lawyers and insurance companies deal with them each day. Having a professional on your side is how you can protect yourself and secure the maximum settlement amount.
For instance, seeking medical attention immediately is always advised. This is because waiting to see a doctor could lead to an insurance adjuster suggesting your injuries were not as serious as the claim states. There are also situations when an insurance company will suggest the harm happened because of another event. Having timely documentation is important.
Attempts to Accuse Another
After an accident is investigated, an insurance company may try to shift the blame, suggesting the victim is actually at fault. This can be done in a variety of ways, including twisting words from an interview. There are also times when reasons to not cover the injury could be explored by the insurance company, including saying a pre-existing condition is the reason medical attention was needed.
In addition to directly denying a claim, a company may decide to make an offer that is low. Doing so benefits the company because they can possibly pay out less than they would need to if the claim went to court. A low settlement saves the company the time and expenses of a legal battle. A Bucks County personal injury attorney can help you to determine if it is in your best interest to accept a settlement amount.
Have Your Attorney Talk to Insurance Companies
Are you filing a personal injury claim with an insurance company? The personal injury attorneys at Kardos, Rickles & Hand can advise you on how to handle your unique situation, from what to say and what evidence needs to be gathered. If you need to go to court, a lawsuit can be filed. Schedule your free consultation today, call (215) 968-6602.