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Is an insurance company too eager to settle with you?

Perhaps you have been the victim of a car crash in which you sustained a significant injury. Has an insurance company responded with an offer that strikes you as being too low?

Insurance companies are in the business of putting themselves and their policyholders first. You may want to consult an attorney if you feel a company is pressuring you into accepting a settlement and signing a release.

Filing a claim

Many people who are accident victims feel they can effectively file an insurance claim on their own, especially if their injuries are minor. However, big insurers have teams of lawyers whose job it is to protect the companies. They will do whatever they can to reduce the monetary compensation owed to a claimant. If you are that claimant, you have a right to feel suspicious of their too-friendly overtures.

Disputing liability

The insurance company for the party who caused your accident may dispute your claim, saying that the crash was not the fault of its policyholder. At the very least, the insurer may say that you do not have sufficient proof that its policyholder was to blame, and so it is not responsible for paying damages to you.

Remembering the time limit

In addition to the roadblocks you could run into if you choose to handle a claim for compensation on your own, there is another problem: the time element. You need to get the claims process underway as soon as possible, because there is a statute of limitations involved.

Seeking legal help

An experienced personal injury lawyer who focuses on litigation can help hold the responsible party accountable. The attorney acts as your advocate, relieving you of the burden of taking on a powerful insurance company alone. If your injury is significant, you could be facing heavy medical bills as well as lost wages. Your attorney will carefully review the facts about the accident, consult with your healthcare professionals and deal effectively with the insurance companies to ensure you receive appropriate compensation.

 

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