Most of us pay insurance premiums–auto, health, and home, to name a few–to protect us and our families. We expect insurance companies to pay for what their policies promise, whether it’s our insurance policy or the insurance of the person or company who caused an injury.
Disputes with insurance companies can turn an already difficult time in an injured person’s life into a nightmare. Many insurance companies will go to great lengths to avoid paying injured people, adding insult to injury. They are in the business of making profits, which means not paying out money unless and until they have to. We call this insurance company tactic when responding to claims a “3D Strategy”:
When injuries are caused by another–such as in a truck or car accident–a personal injury case may be filed to help the injured person and to discourage future misconduct. This involves covering medical expenses, lost income, and harm to the survivor’s life. Insurance companies usually eventually pay on legitimate personal injury cases. Unfortunately, the insurance payout process is seldom an easy one.
Our attorneys are knowledgeable and experienced in helping people get past the “3D Strategy.”
Getting Your Settlement
Insurance companies try to pay as little money as possible to settle a claim. Some insurance companies are notorious for “low ball” offers that fall far short of what a survivor needs to cover current and future losses. Many people are intimidated by insurance companies and don’t realize that they don’t have to settle for the initial offer. When going up against these big companies, you need an experienced personal injury attorney on your side to help you navigate the legal process and force insurance companies to compensate you fairly for your injuries.
When dealing with the other party’s insurance company, here are some tips:
- You are not required to make any statements to an insurance adjuster. Any statements can be used against you. Be polite but firm when dealing with the adverse adjuster. In other words, be your own best advocate by being prepared and professional.
- Before signing any forms or accepting any payment from an insurance company, contact a qualified personal injury attorney to make sure you get the compensation you deserve.
- Even with your own insurance company, you may find that after paying premiums for years, you’re treated as an adversary over a claim. This is especially true in cases where the other party does not have insurance, or does not have enough insurance.
For more tips, download What Insurance Companies Don’t Want You to Know.