Have you been offered a low payout from the insurance company?

The period after you have been injured in an automobile accident can be both distressing and confusing. Even if another person is at fault, you are the one who is suffering. You may be faced with medical bills you can't pay, worried about lost wages from time off from work, and concerned about pain that doesn't seem to be improving over time. If your car is damaged, you may be in urgent need of transportation.

Insurance companies are well-aware of the stress level of their clients following a traffic accident. Although they claim to be on your side, the companies' primary goal is to take advantage of your inexperience to make sure that you accept the lowest payout possible. Adjusters' tactics include questioning whether you caused the accident, claiming you haven't submitted enough documentation to support your claim, or even denying your claim entirely without a reasonable explanation. Adjusters also try to rush you into a settlement before your injuries are resolved to avoid paying for your future medical expenses.

Insurance claims adjusters are promoted based on their ability to negotiate low settlements. Companies utilize computer programs which analyze your injuries and provide an estimated cost of treatment. The adjusters must make settlement offers which are consistent with the computer-generated value of your claim. They are not concerned about what you are actually experiencing, only the bottom line.

When your insurance company makes a low offer, call our firm. After an accident, you need help from knowledgeable attorneys who are looking out for your interests. We can determine what damages you can claim under your policy including medical expenses, and the costs of emotional distress, lost wages, property damage, and general pain and suffering.

Your insurance policy itself may be an incomprehensible maze of small print, and confusing exclusions. It is important to hire a skilled attorney to evaluate your coverage. For example, when your insurance company claims a low replacement value for your automobile, your policy describes the procedures for a neutral appraisal. You may have medical payment benefits. If you are injured by an uninsured party, and have uninsured motorist coverage, you must follow specified procedures to present an uninsured motorist claim. If the claim does not settle, your policy provides for mediation or arbitration. It is best to have representation at these proceedings.

If you have any questions, contact our firm. Insurance companies do not like our attorneys. You will.

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Have you been offered a low payout from the insurance company?