Category: Insurance Claim

Get What You Deserve By Contacting Our Personal Injury Lawyer In Corpus Christi

Why am I Being Offered So Little by the Insurance Company? Consult a Corpus Christi Personal Injury Attorney

When an injury occurs due to the neglect of another person or a business, a claim for personal injury insurance may be pursued. After all, you want to be compensated for the losses that have occurred in your life.

Often, the insurance company will try to settle the claim and you may wonder why they are offering such a small amount of money. This is something that baffles many people but it occurs on an ongoing basis and when somebody is injured, they often find themselves facing the same difficulty.

There is a simple reason why this occurs; insurance companies are big business and they are only in it to make a profit.

When an accident occurs, most people feel as if the insurance company is there to take care of your injuries, pay for any damages and to compensate you for the losses that may have taken place. After all, they make themselves appear so nice on their commercials. The reality of the situation, however, is quite different. The insurance company does not exist to pay out claims for accidents.

The insurance company is in business for a much different reason. Like any large business, they have shareholders and they will do anything to keep those shareholders happy and profitable. When an insurance company pays out a claim, it hurts the shareholders and that is why they will often look to pay a far lower amount than what they should.

Most people are surprised with the lengths that insurance companies will go to in order to reduce settlement costs. In most cases, they throw out a lowball figure and hope that you will simply sign on the dotted line.

It also has a lot to do with smaller claims, something that may be the case for you. When a minor injury occurs, they realize that you are more likely to take the lowball claim offer because it’s going to cost you money to take it to court. Insurance companies have used this to their benefit far too often and it is often to the detriment of the injured.

The insurance company has already calculated the cost that you would have to pay for an attorney and they realize that most people are not willing to go through the effort when they have an offer on the table. When that is the case, the attorney that may be involved and the person that has been injured are often left without options, or at least the insurance company would like them to think so.

Unfortunately, many people tend to lock themselves into a settlement and it can cost them in the long run. Anytime an injury takes place when somebody else is negligent, the insurance company is going to contact you very quickly. If a claim has already been filed, then you have probably already heard from the insurance company at that point.

The problem comes in when the insured individual receives a phone call and it seems as if the insurance company is doing everything they possibly can to help them. Far too often, the insured ends up speaking too much and it can limit their ability to receive a higher settlement. Insurance companies are well aware of the fact that if they strike first and strike quickly, they will often lock the insured into a settlement before they are able to speak with a lawyer.

When an insurance adjuster calls, most people simply talk freely and they may even discuss specifics, even before they realize exactly what has occurred as far as injuries are concerned. If you do this before you contact a Corpus Christi personal injury attorney, you are limiting how much money you will be compensated for your injuries.

You can always speak to a personal injury lawyer at no cost and they can help you to take the appropriate steps. They can talk to you prior to the time that you speak to the insurance company.

Talking About the Claim Before You Know Your Injuries

Many victims of accidents will talk in detail about their injuries and this often means that they are limiting the number of injuries they can be compensated for due to the accident.

In many accidents, a person is transported to the emergency room by an ambulance. Emergency rooms are not there to check an individual when they were in a fender bender; they are there to deal with life-threatening emergencies. If your injuries are not life-threatening, they will simply let you go and give you some instructions, which are the same instructions as they give to anyone else. Basically, they tell you to see your doctor.

When you see a doctor, additional testing may be done and then the true nature of the injuries become apparent. If you talk about your injuries prior to the time that you know what they truly are, you will be offered a lowball compensation.

Don’t Attempt This Without a Lawyer

One of the biggest mistakes that people make when they are in an accident is to try to deal with the insurance company on their own. This is playing right into the hand of the insurance company and they may even try to talk you out of hiring an attorney.

They’ll tell you that the attorney is just going to take a percentage of your money and will do everything to take that leverage away from you. They understand that an attorney is going to get you fair compensation and they realize that they can get you the damage your case by simply opening up to them.

Choose The Right Corpus Christi Personal Injury Attorney

You’re going to get a lot of advice from friends and family when you are in an accident. They may tell you about somebody who handles personal injury cases or they may simply turn you on to an attorney that will accept a global settlement to make a quick dollar. If you don’t feel as if you’re being treated in a fair way by the law firm, then you can’t expect to be compensated properly by the insurance company.

Insurance companies are well aware of the attorneys that work in their area and how successful they are. When you have an attorney on your side that is known for settling cases for appropriate compensation, you have someone in your corner that will work well for you.

Always look into the attorney carefully prior to signing on the dotted line. If you don’t agree with their tactics, you can fire the attorney but know that you are still responsible for work done when they did it on a retainer.

Call the Law Offices of Jerry J. Trevino now for immediate assistance.

Our Corpus Christi Personal Injury Lawyer Is Here To Explain Why Not To Take The First Offer

Why You Shouldn’t Accept An Insurance Company’s First Offer

The bodily injury claims process after a car accident can be a major headache. It’s often the intent of the opposing insurer to wear you down and then exhaust you. That’s when you can expect it to come to you with a settlement offer to make you go away. Once you take a good look at that offer, it’s likely that it’s woefully insufficient and doesn’t contemplate all of your damages. Signing off on a release of claims too soon that’s too low can come back to haunt you in the future. If you’re like just about everybody else, and you’re uncertain about handling the claims process, a respected and competent auto accident lawyer in Corpus Christi will probably be your best advocate. If you insist on representing yourself in the claim process, here are five reasons why you shouldn’t agree to settle for an insurance company’s first settlement offer.

The Adjuster Assigned to Your Case Is Your Opponent

Once you make a bodily injury claim, it is assigned to one of the insurance company’s adjusters, who will investigate it, review all medical bills and reports, and set both a high and low value on your claim. You’re neither in good hands nor with a good neighbor. Your adjuster has the best interests of their employer in mind.

It’s Going To Be A Low Offer

Insurance companies make money by receiving a premium check and paying out as little as possible on claims. Expect your adjuster to do whatever is legally permissible to decrease the claim’s value. You’re highly likely to be lulled into making mistakes during the claim process, which the agency will use against you in the future. Experienced personal injury lawyers in Corpus Christi don’t make those mistakes.

You Don’t Know Your Damages – Yet

Don’t rely on the opposing insurer’s calculations on what your reasonable medical bills should be or how long you should have been off of work due to your injuries. It could take months for doctors to diagnose the exact nature and extent of your injuries, and it could take even longer to undergo medical procedures and rehab before you reach maximum medical improvement.

Don’t Forget About Pain and Suffering

Many adjusters will try to slide by with an initial offer of disputed medical bills and lost earnings. You wouldn’t be making a bodily injury claim if you didn’t experience some degree of pain and suffering. A jury is allowed to take compensation for pain and suffering into account, so an insurer should take that into account too before you’re even forced to file a lawsuit.

There’s More There Than You’re Being Told

The adjuster on your claim knows how much authority he or she has. Even if a settlement comes in toward the higher end, that adjuster has done their job, and he or she is not going to get criticized by their claims supervisor for settling within the authority that they have.

Documentation of the personal injury claim with lost earning records along with medical bills, records and reports are crucial for a fair and just settlement. Remember that you’re likely to make mistakes along the way that will decrease the value of your case. It’s unlikely that a judge will let you cure them. Quality personal injury lawyers don’t make those mistakes.

Call or contact The Law Offices of Jerry J. Trevino to represent you!