How Do Insurance Companies Go about Dealing with your Personal Injury Claim?

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When you find yourself injured as a result of negligence on someone else’s part, whether this is in a car accident; or simply a slip and fall on their property, the first step you should take in order to make a claim is to get in touch with your insurance company. This is where you get the ball rolling and then, you enlist the services of an experienced and successful personal injury lawyer like Jorge L. Gomez of the Gomez Law Firm. As well as the mental trauma you suffer and the physical injuries, you also have to contend with having to take time off work, mounting medical expenses and all this hits you hard in the wallet. However, you can file a personal injury claim and receive compensation, but this involves dealing with an insurance company.

Under normal circumstances, the defendant’s insurance company will contact you soon after the accident to begin the claim process, however, on occasion, they don’t and in this case, you should call the defendant or his insurance company to notify them that you intend to file for compensation. Bear in mind, that without the involvement of the insurance company, it won’t be possible for you to be compensated; therefore it is a necessary step and one that you need to be prepared for.

The Claim Adjuster

During the proceedings, the insurance company will be represented by a claim adjuster who will do his very best to ensure that the insurance company pays you as little as possible! They have dealt with many such cases before and in order to save their company money, will employ all the tricks and techniques in their arsenal to ensure you receive as little as possible.

The claim adjuster will carry out an investigation into the facts and evidence of the case and will also more than likely interview you in an effort to obtain more information to implicate you in some way for the accident, and therefore reduce the blame towards the defendant and ultimately the amount of compensation you receive.

Be careful of what you say and give to the claim adjuster as it only takes a shred of evidence against you and they can use it to greatly improve their case. You will be required to produce documents such as the medical bills, repair costs etc. If they find sufficient evidence to go against your claim, the case may then be taken to court where both the petitioner and the insurance company will be represented by an experienced attorney, knowledgeable in personal injury matters.

The Settlement

If all proceeds well in the initial stages of the case, you will be offered a settlement by the insurance company, however, you must be aware that it is very rare for an insurance company to give you their best offer to start, so think before you accept, no matter how much pressure you are under. In this case, it helps to have a personal injury attorney to help you calculate costs and decide whether or not the offer is fair.

If you do decide to accept the settlement, you must accept the offer in writing and sign certain legal documents that then release the person responsible for your injuries and the insurance company from further claims related to the accident.

The Court Battle

If you decide not to accept the settlement because it is less than you think you deserve, or the insurance company finds evidence that goes against your claim, you will more than likely find yourself in a court battle. This can be very tiring as the insurance company, being very experienced in these matters will hire the best attorney they can get, one who is well-versed in personal injury and similar cases. Their aim during the court battle will be to attempt to reduce their liability and therefore the compensation they are required to pay you. This can be a very long and drawn out battle that could prove very costly to you, so with this in mind, you stand the best chance if you hire an experienced and knowledgeable personal injury attorney to fight for your cause in court. A personal injury attorney will fight to ensure that you get a fair compensation and use his experience of dealing with insurance companies to prevent them from using their usual tactics against you.

A Personal Injury Attorney can help immensely

In cases like this, your best chance of getting the compensation you deserve is to hire a personal injury attorney in your area, one who knows the courts and the judges. With a personal injury attorney at your side during the case, your chances of being compensated fairly are increased in a tenfold.

During the case, the personal injury attorney will go through all the evidence with you and help you calculate a fair compensation. He will also help you to negotiate with the insurance company regarding future medical costs and their inclusion in the compensation you receive. A good personal injury lawyer will ensure that your case does not go to court and instead, you receive a fair settlement. A personal injury attorney can also represent you and deal with the insurance company, meaning you don’t have to. It can often be very stressful when dealing with an aggressive and experienced insurance company and so you can be spared from this if you hire a lawyer to do it for you.

Jorge L. Gomez and the Gomez Law Firm can provide you with the legal assistance you need in order to get the compensation you deserve for your personal injury. Don’t take them on by yourself, call us and we’ll ensure you get the best results possible.

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