subject: Personal Injury insurance Company [print this page] Personal Injury insurance Company
After sustaining an injury from an accident that is not your fault, the first step in a claim process is to call an insurance agency. This may be automobile insurance or homeowner insurance, depending on the kind of injury received. A claims adjuster is often the first person that you talk to at aninsurance agency about your personal injury. Their job is to keep the claim as cost-effective as possible for the insurance agency, meaning that paying out for injuries is not often the highest priority of the claims adjuster.
As an injured person it is important to not give too many details or information to the adjuster. A claims adjuster is looking for ways to avoid paying for your personal injury, and anything that is said to them can be used to resolve a claim. If you present any information that may make you sound at-fault, you may get no money from your claim at all. It will be important to send all medical bills, mechanical or auto body repair estimates and police reports. Withholding needed information will not help get a larger settlement from an insurance company.
Claims adjusters may offer settlements, and if accepted you will have to sign legal documents stating that you release the person who injured you from any further legal or monetary requirements. Claims adjusters may give you the lowest amount of money possible for your personal injury case-many times just enough to cover medical bills or repair costs. Often a settlement is calculated using mathematic formulas versus taking into account emotional or psychological damages, wages lost and long term repercussions from an injury.
It is important to considerhiring a personal injury lawyer if you feel that you aren't getting a fair settlement amount, or if the insurance company is taking a long time to offer any type of settlement.Personal injury lawyers are used to dealing with insurance companies and know what to ask, who to talk and how to get you the largest settlement that you deserve. It is their job to consider all the damages that you have suffered and how they affect you now and in the future. Rather than deal with claims adjusters and large insurance companies, it is in your best interest to hire an experienced lawyer who is used to dealing with these issues. It is likely to bring a larger settlement and lessen your stress about the situation.
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