December 21, 2017
Having an insurance policy is supposed to protect you in case you get into an accident. It is supposed to help you financially in the short term by paying you money for damages you have suffered and, in turn, compensate anyone that you may have harmed in an accident.
Despite their purpose, insurance companies are reluctant to provide pay outs for accidents. In fact, claim adjusters are trained to discredit your caim in any way possible. If you file an insurance claim for a car accident, be prepared to have to fight for it. Often, car accident victims will hire a lawyer before pursuing a claim in order to avoid bullying tactics by insurance companies. Insurance adjusters will try to force you into either taking a smaller settlement or they will flat out deny a claim.
Methods that Insurance Companies Will Use to Deny You
Typically there will be two insurance companies involved in your claim: one is yours, and the other is the one representing the other party. Of course, the defendant’s insurance company would like to provide the least compensation possible. You would be surprised to find out that your insurance company may not be keen on paying you either, so they are also likely to offer you a low settlement rather than encourage you to pursue a lawsuit where you could potentially earn more money.
There are several reasons that an insurance company will give for reducing your settlement or denying the claim altogether. It may be proposed that you were at fault for the accident or that the injuries you have sustained were not serious, or they are unrelated to the accident.
Documentation is your best evidence of injury. All doctor’s notes, records of appointments, prescriptions, and anything else that proves you are going for medical treatment for these injuries will help your case. Be sure to get records of diagnosis as well. Any reason they can find to deny your claim will be used, so it is best to cover all your bases.
Hiring a Car Accident Lawyer
It is always a good idea to consult an experienced lawyer at least. Thankfully, most personal injury attorneys will not only provide a free consultation, but also work on a contingency fee basis. You will not have to give any money upfront and will pay your lawyer if they receive a settlement. The fee should be a percentage of the settlement you agree on before proceeding. Make sure that you understand the fee schedule of the lawyer before hiring them.
Having a lawyer by your side will greatly influence your chances at getting a fair settlement after your car accident. It is always advisable to consult a lawyer at the very least, and with a car accident lawyer Milwaukee WI offers by your side, you have a much better chance at receiving a better deal. Insurance companies can be intimidating and they can take advantage of your inexperience in personal injury law. Call today to discuss your case and how best to proceed.
Thanks to our friends and contributors from Hickey & Turim SC for their insight into car accidents.