When you are injured in a car accident or another type of mishap, the last thing you want to do is battle the insurance company for compensation. Often, this is exactly what happens. Whether it is your insurance company or someone else is at fault for your injuries, you will find that it can be difficult to get them to pay.
Offering a Small Settlement
The insurance company knows that after an accident, you may be having financial difficulties. You are not able to work, your car may have been damaged beyond repair, and you will have medical bills. This is why they often try to get you to accept a quick settlement for less than what you are entitled. The insurance company will want you to sign a release when you accept this money. This prevents you from seeking further compensation.
It is generally never in your best interests to accept this settlement. At this point, you could have injuries that have not surfaced. Speaking with an attorney is your best option. He or she has experience negotiating with insurance adjusters and companies. One example of a firm that provides a car accident lawyer Houston is Simon & O’Rourke Law Firm, P.C.
Denying Your Claim
Why do insurance companies deny claims? The insurance company only has their best interests in mind. If they can, they will try to make the accident your fault, even if they know better. This is one of the reasons you should never speak with them or try to handle a settlement on your own. They can use your words against you in a way that clears them of any liability.
The legal aspects of insurance claims can be difficult for the average person to understand. Have a lawyer look over anything that you are asked to sign before doing so. You could be signing away your rights to fair compensation.
The insurance company might try to say your injuries were sustained before the accident. Always seek medical attention when you are injured. Even if you feel that you are all right and do not need to go to a doctor, you should do so anyway. Symptoms of certain injuries frequently do not show up right away. When you go to a physician, they can say with certainty that your injuries are the result of your accident.
Insurance companies want your business. They will be quite friendly when you are considering buying a policy from them. However, when the time comes that you need to file a claim, it can be quite a different story.