Millions of personal injury claims and lawsuits are filed in the United States every year due to various accidents ranging from vehicular accidents to slip and fall accidents and occupational injuries.
However a lot of these personal injury claims are denied or underpaid by insurance companies.
Most people do not realize, but the main goal of insurance companies is to make a profit and sometimes they do it by denying many initial claims.
They will do this in hopes that the claimant will get discouraged and will not pursue the claim anymore.
That is why it is important that you come prepared when you are dealing with insurance companies.
To help you, here are some tips in resolving your personal injury case:
Hire a personal injury lawyer
A personal injury lawyer is not exclusively for representation in a lawsuit.
In fact, a good personal injury lawyer should be able to help you resolve your case without having to file a lawsuit.
Your lawyer should be able to guide you through the negotiating process and prevent the insurance company from taking advantage of your lack of information about the case.
Know the Process
Even if you have your personal injury by your side, it is still recommended that you make yourself familiar with the process of how to make a personal injury claim.
Know which documents are needed, the forms to be filled up and what to say to the insurance adjuster
Prepare for the Insurance adjuster
At some point, the insurance adjuster will be talking to you about the accident and your injuries.
Your lawyer should be with you to prepare you and guide you through the process.
The insurance adjuster will use different techniques to get important information from you ranging from friendly banter to intimidating speeches.
Just remember the following:
- Do not admit guilt even if you think that you may be partially at fault for the accident. If the subject about it is brought up, just say you do not know because that is the truth; you do not know because you are not really sure abut it.
- Answer truthfully and do not lie. Adjusters will be able to see through it, and it will be inconsistent to what really happened in the accident.
- Do not guess. As said before, if you are not sure then tell them that you do not know.
- Keep it short and simple. Get straight to the point. Do not beat around the bush when answering. Remember, the longer your answer the more holes the adjuster can find in your statement
Set a Target Amount
Discuss with your personal injury attorney about how much compensation you should get from the insurance companies including present and future medical expenses, lost income and pain and suffering.
This way, you will know when to agree to a settlement with the insurance company.
If no agreement is reached, you and your personal injury lawyer can file a personal injury lawsuit to have the judge and a jury decides your case.