5 Things Most Insurance Companies Won’t Tell You
Insurance companies can play a confusing role in the claims process. While they provide essential protection against unexpected incidents, they can also exploit our vulnerabilities during tough times. This is why it’s crucial to be aware of the information that insurance companies might prefer to keep hidden. By learning about their strategies and methods, you can better safeguard your rights following an accident.
If you believe you’ve been involved in an accident that wasn’t your fault and have concerns about dealing with the insurance company, reach out to the Law Office of Brian Brunson today for a complimentary case evaluation.
Five Tips You Should Follow
After an accident, the insurance company will hire an insurance adjuster to look into your claim. The main role of the insurance adjuster is to reduce the payout that the company has to make. To safeguard yourself following an accident, there are several important facts that many insurance companies prefer you remain unaware of.
Know Your Legal Rights. Many individuals think that insurance companies prioritize their needs, but this is actually a misconception. The truth is that these companies operate as businesses focused on generating profit. Their main goal isn’t to offer you the highest quality service or to settle claims fairly. If you’ve been involved in an accident, it’s crucial to know your rights before talking to insurance claim adjusters. Failing to do so might lead you to accept a settlement that is much lower than what you actually deserve.
The First Offer Is Just That, An Offer. Insurance adjusters often attempt to give you a settlement that is significantly lower than what your claim is really worth. They are skilled at this tactic because they understand that many individuals are not fully aware of the actual value of their claims. It’s important not to be misled by this strategy! If you find the initial offer unsatisfactory, remember that you have the right to negotiate for a more favorable amount. Insurance adjusters are skilled negotiators, and it’s crucial to keep that in mind. Their main focus isn’t on providing you with a fair settlement; instead, they aim to convince you to accept the lowest amount of money they can offer.
Let Your Attorney Do The Talking. One frequent strategy that car insurance companies employ is to encourage claimants to make statements that could be used against them later. An insurance claims adjuster might ask suggestive questions designed to confuse you and prompt you to say something that could lead to a denial of your claim. They will likely inquire about your injuries, any medical treatment you’ve undergone, and the amount of work you’ve missed. Additionally, they might ask for permission to review your medical records. It’s crucial to keep in mind that you aren’t obligated to provide the insurance company with all the information they request.
Don’t Let The Insurance Company Tell You That You Don’t Have a Claim. If your insurance claim gets denied, you have the option to take legal action. A skilled lawyer can assist you in preparing the required documents and can advocate for you in court before a judge and jury. Texas operates under an at-fault system when it comes to car accidents. This means that if you’re involved in a crash, the person who is found to be negligent will have their insurance company handle the claim, rather than the victim going through their own car insurance.
Hire a Reputable, Experienced Personal Injury Lawyer. If you unfortunately find yourself involved in an accident, one of the first steps you should take is to get a personal injury lawyer. A skilled personal injury lawyer can help balance the situation and make sure your rights are safeguarded. Insurance companies often look to exploit individuals who don’t have legal representation, so having an attorney on your side is crucial.
How Insurance Companies Calculate Damages
Insurance companies usually depend on basic calculators and imperfect algorithms to evaluate damages and losses, which contrasts sharply with how personal injury lawyers operate. Sadly, these tools often do not capture the real impact of the damages faced by the claimant. For this reason, attorneys use a more tailored approach when assessing personal injury claims, making sure their clients receive the complete compensation they deserve.
When a person is injured and isn’t seeking compensation for things like pain, suffering, or emotional distress, determining the value of their claim is quite simple. The main task is to total up the medical expenses, the costs associated with repairing or replacing any damaged belongings, lost wages, and any additional costs, such as car rental fees, that they may have incurred.
The overall sum of economic damages you can claim will be the final figure you get. In contrast, non-economic damages, which are more about personal emotions and viewpoints, will need the insurance company to go through a specific procedure to evaluate how much your claim is worth.
IF YOU’VE BEEN INJURED IN A CAR, TRUCK, OR MOTORCYCLE ACCIDENT, CONTACT THE LAW OFFICE OF BRIAN BRUNSON TODAY.
Named one of the “Best Car Accident Lawyers in Dallas” by Expertise.com, Brian Brunson is Dallas personal injury attorney who is dedicated to helping clients who have suffered a car, truck, or motorcycle injury through the negligent or wrongful conduct of other drivers. In addition, his professionalism is unmatched and the firms’ client reviews speak for themselves.
We proudly serve the Dallas-Fort Worth metroplex and surrounding areas, our office supports the legal needs of a wide variety of clients. Let the Law Office of Brian Brunson be your advocate in your time of need and help you put your life back together. If we can’t win or settle your case, you don’t pay a dime! We know it can be daunting to take that first step after you’ve been hurt. Contact Brian Brunson today via email or call us toll-free at 1-844-41-WRECK. We can help, when no one else will.
