What You Should Know About Car Insurance Companies

Insurance companies can often be quite confusing when it comes to filing a claim. Although they offer necessary protection, they may also try and take advantage of you if you aren’t represented by an attorney. This is why it’s important to understand the information that insurance companies may not want you to know. By understanding their tactics, you can help protect your rights after an accident.

5 Things You Should Keep In Mind

You have rights as a consumer. A lot of people believe that insurance companies put their needs first, but that’s really not the case. The reality is that these companies function as businesses aimed at making a profit. Their primary objective isn’t to provide you with the best service or to handle claims in a fair manner. If you’ve been in an accident, it’s important to understand your rights before speaking with insurance claim adjusters. Not knowing this could result in you agreeing to a settlement that is significantly less than what you truly deserve.

You may have a valid claim, even if the insurance company says you don’t. If your insurance claim is rejected, you can choose to pursue legal action. An experienced attorney can help you prepare the necessary paperwork and represent you in court in front of a judge and jury. In Texas, the system for car accidents is based on fault. This indicates that if you are part of an accident, the individual deemed responsible will have their insurance company manage the claim, instead of the victim using their own car insurance.

The first offer is rarely, if ever, the best offer. Insurance adjusters frequently try to offer you a settlement that is much lower than the true value of your claim. They are adept at this approach because they know that many people don’t fully grasp the actual worth of their claims. It’s essential not to fall for this tactic! If the first offer doesn’t meet your expectations, keep in mind that you have the right to negotiate for a better amount. Insurance adjusters are expert negotiators, and it’s important to remember that. Their primary goal isn’t to give you a fair settlement; rather, they want to persuade you to accept the smallest sum they can provide.

Having an experienced personal injury attorney like Brian Brunson is vital. If you happen to be in an accident, one of the initial things you should do is hire a personal injury lawyer. A competent personal injury lawyer can help level the playing field and ensure that your rights are protected. Insurance companies frequently try to take advantage of people who lack legal representation, so having an attorney with you is essential.

Don’t talk to the insurance company, let us do the talking. One common tactic used by car insurance companies is to persuade claimants to make statements that could later be used against them. An insurance claims adjuster may pose leading questions aimed at confusing you and encouraging you to say something that might result in your claim being denied. They will probably ask about your injuries, any medical treatment you have received, and how much work you have missed. Furthermore, they might request permission to access your medical records. It’s important to remember that you are not required to give the insurance company all the information they ask for.

How Your Settlement Offer Is Determined By the Insurance Company

Insurance companies typically rely on basic calculators and flawed algorithms to assess damages and losses, which is very different from the way personal injury lawyers work. Unfortunately, these tools often fail to reflect the true impact of the damages experienced by the claimant. Because of this, attorneys adopt a more customized approach when evaluating personal injury claims, ensuring their clients receive the full compensation they are entitled to.

When someone is injured and not pursuing compensation for things like pain, suffering, or emotional distress, figuring out the value of their claim is relatively straightforward. The primary task is to add up the medical expenses, the costs related to fixing or replacing any damaged items, lost wages, and any extra expenses, like car rental fees, that they might have incurred.

The total amount of economic damages you can claim will be the final figure you arrive at. On the other hand, non-economic damages, which focus more on personal feelings and perspectives, will require the insurance company to follow a specific process to determine how much your claim is worth.

IF YOU’VE BEEN INJURED IN A CAR, TRUCK, OR MOTORCYCLE WRECK, 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.