Personal injury claims are filed and open every day. Unfortunately, insurance companies are not huge fans of paying people for anything. Their main goal is to receive money not to disperse money. In a perfect world this would be fine if people were not injured on a daily basis. If you were involved in any sort of personal injury incident, be at a motor vehicle accident, a slip and fall, a product liability, a dog bite, or anything similar you may wish to pursue a personal injury claim. This means you will be dealing with insurance companies. It is important to understand how insurance companies in their adjusters work so that you know how this process will go for you or your loved one.
Wow they do not desire to pay out money, when a claim is open insurance adjusters would like to close them as soon as possible. This means they may lowball you and offer you anything just the clothes are clean. This is not the best way to resolve your issue. This is why personal injury attorneys are advised in most personal injury cases. Insurance adjusters are not necessarily your friend and are not working on your behalf, they are agents for the insurance company not you or your loved one. They may offer a settlement just so you can accept it and take longer than necessary to disperse the funds. In some cases no matter how clear the liability is they may even deny liability and somehow flip responsibility on you, or attempt to. Even more sad thing, if they have any idea that you are not educated in your legal rights they would even ask that you sign a medical release form that gives them access to all of your medical records to somehow find a loophole in the case. If she wants adjusters are not working in your favor, however, they do know that personal injury attorneys know the law. This is why is it important to speak with a personal injury attorney if you are involved in the case such as anything listed above. A personal injury attorney has more experience in this area and knows what is and is not ethical or legal.
Insurance companies may ask questions that are entirely irrelevant to your case such as whether or not you have insurance, whether your case is related to a Worker’s Compensation case, have you seen a doctor for similar injuries in the past, What your income was prior to the accident and what it is at the time. They will ask a lot of questions that can be very intimidating and somehow backfire on you. Before speaking with any insurance adjuster, speak with a catastrophic personal injury attorney in Atlanta, GA. Whether or not to hire this attorney is up to you but you should at least know how to handle these types of situations, most personal injury attorneys work on a contingency basis which means they will not charge you for a consultation and will not charge you for services unless your case is settled.
Thanks to Andrew R. Lynch, P.C. for their insight into personal injury claims and how to file your claim.