State Farm’s adjusters and attorneys don’t work for you. Their job is not to help you get you the compensation that you deserve for your injuries, but to minimize your claims to protect the company’s bottom line.
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Filing an Insurance Claim
As you can see above, avoiding a gap in treatment will help you to maximize your case value and prevent the insurance adjuster from suggesting you weren’t really injured.
Other losses are harder to demonstrate but are no less real. These may include emotional distress, pain and suffering — and loss of consortium. These are known as general damages, as they attempt to compensate victims in a personal injury case for harm that isn’t monetary in nature.
Here are some tips for that first contact with the insurance adjuster to help you advocate for yourself or a loved one and set the stage for financial recovery instead of further anxiety and financial stress.
When you’re involved in an accident, it’s an insurance adjuster who comes to evaluate your claim. Most likely they will come across as very friendly and professional, but it’s important to remember whose side they are on.
Insurers act fast because they want to get to you before lawyers that cost them money get involved. They also know they can get you excited with how fast they can get you cash.
Adjusters challenge a claim on its validity and value. In essence, an insurance adjuster is paid to work against your financial interests.
I want to talk about one major benefit of hiring a personal injury attorney. It gives you leverage. Insurers know that if you don't have a lawyer on your side, you are in a "take it or leave it" situation.
Almost every major insurance company raised rates. Progressive penalized not innocent drivers the most by an average of 16.65%. Geico and Farmers were not far behind Progressive at 14.1% and 11.1%, respectively.
A passenger is generally in the best situation of anybody involved in an automobile accident because a passenger, unless a passenger is waving in the driver’s face or something, or distracting them, a passenger is usually never at fault.
Logic would seem to dictate that the less severe the injury, the simpler it should be to resolve your personal injury claim. However, that is not always the case.
Yes, you should always notify your insurance company of any accidents. You can notify the other insurance company, the adverse or defendant insurance company, or you can let us do it, which we prefer.
If you have the minimum liability coverage, the person wounded will only receive $25,000 from your insurance policy, no matter how injured they are. If more than one person is hurt in the same accident, the policy will pay out no more than $50,000 for the total accident.
When a person suffers an accident injury they often wonder what amount of compensation their case is worth. The money a claim is worth can vary. The insurance company uses a formula to determine the value of a claim.
Dealing with an auto insurance company can be a stressful and time-consuming process. Too often, people who attempt to make claims without any representation are taken advantage of, starting as soon as the first phone call is made to the insurance company.