How to Handle the Insurance Company During a Personal Injury Claim

A sudden and unexpected accident can be a problem for your health and compromise your financial stability. When medical bills and other expenses keep piling up while you’re unable to generate income due to your injuries, it’s a normal reaction to feel desperate and overwhelmed. But you must not forget that the law is on your side, and taking legal action can help you get out of this difficult situation.

If someone else’s negligence was the cause of your suffering, you’re entitled to compensation and need to file a personal injury claim before it’s too late, as you don’t want to lose the chance to receive the money you deserve because you were unaware of the statute of limitations for cases like yours. 

Your biggest obstacle during this process will be the insurance company that represents the at-fault driver. They will do everything in their power to avoid paying out on your claim, that’s why it’s crucial that you understand how these companies operate in order to protect your rights. 

Profits Are a Priority

It’s important to remember that insurance companies consider their profits a priority, just like every other business. They won’t gain anything by giving you the money you deserve, as this is not how they make money. Trying to compensate accident victims adequately every time they file a claim would result in significant losses for them.

Do not listen to them if they’re trying to explain why you don’t need legal representation. Insurance adjusters see personal injury attorneys as a problem, as they know how much cases like yours are really worth and will protect you from low settlement offers by correctly calculating your damages and considering all your future expenses.

The Importance of Evidence

Your best “weapon” against unethical strategies will be the evidence you were able to gather immediately after the accident. It can be used to determine liability, show the full extent of your injuries, and to maximize the amount of compensation you’ll be able to receive, effectively stopping insurance adjusters from denying your claim. 

A common situation where evidence can make the difference is when the at-fault party’s insurance company accuses you of exaggerating your injuries in order to receive more money. Showing your medical records along with a journal that documented your pain and suffering will save your claim and put you in an advantageous position. 

Communication Can Change Everything

You should be wary of what you say in the aftermath of an accident, as it can be used against you in order to deny your claim. Saying that you’re sorry or that you feel fine can be used to put the blame of the events that transpired on you, and if you’re considered partly at fault, your claim will be reduced or completely dismissed. 

When speaking with an adjuster, you should always think before you speak. Do not accuse anyone or admit fault. Provide your contact information and the facts about the events that led to your injuries, and avoid additional details. Keep things simple and do not elaborate more than you should. If you have the possibility of letting your lawyer speak with them on your behalf, it would be even better.

Document What Happened

You shouldn’t stop and relax after gathering the evidence you need for your case. It can easily be lost or misinterpreted by individuals who don’t have your best interests in mind. You should always keep records and copies of everything, as documenting what happened can allow you to proceed smoothly and leave insurance adjusters with no choice but to compensate you.

For example, if you’re filing a wrongful death claim, you should always keep a copy of your loved one’s death certificate. If you were involved in a car accident, keep records of repair estimates, surgery and treatment costs, doctor appointments, and so on. You always want to have a copy of every single report or bill that you have to take care of because of someone else’s negligence. 

Learn How an Attorney Can Help You During Negotiations

Dealing with legal issues is not a walk in the park for an accident victim, especially if you’re left with severe injuries. Facing the insurance company’s group of attorneys while negotiating with the at-fault party and everyone else involved by yourself wouldn’t be ideal. 

At Kohan & Bablove Injury Attorneys, we will use our resources to help you during negotiations and give you what’s rightfully yours. Our legal team possesses the experience necessary to provide you with the best outcome possible for your case, and we’ll always be there for you during this legal battle. Call 1-844-404-2400 or fill out the form below to schedule your free consultation now.