Insurance companies are big business. Their business is to make money. They profit by taking in more money than they pay out. They do not part with their money easily. If you are injured in a car wreck, a slip and fall, a dog bite, or some suffer some other personal injury and an insurance company is involved, expect that they will try to pay as little as possible to settle the claim. Indeed, many times, they refuse to pay at all. Sometimes, it feels like David taking on Goliath, and that is not far from the truth.
So, if you are hurt and an insurance company will not cover the incident, talk to a lawyer who is experienced in handling personal injury cases. Those of us who focus on personal injury know how to evaluate injuries, determine and prove fault, and present a settlement package to an insurance company that is designed to maximize the impact on the insurance adjuster or attorney evaluating the case, and, hopefully, maximize the settlement value. A good personal injury is not afraid to take on a challenge and should have experience with how to fight with insurance companies.
If the case does not settle, then the only stone left in the proverbial slingshot is to file a lawsuit, and, if necessary, take the case to trial. Those of us who have tried personal injury cases know insurance companies take lawyers who try cases more seriously than those that do not. Preparing a case for litigation and for trial sometimes can cause an insurance company to rethink their position and pay what is appropriate, if not, they risk the chance that a jury will force them to pay.
So what do you do if you are injured and an insurance company is offering to settle immediately? Be skeptical. Remember that they are not on your side or being neighborly. Remember that their motive is profit. Consult with a lawyer that handles personal injury cases before you sign anything.
What do you do if the insurance company will not settle or claims it does not cover the accident? Have a personal injury lawyer review the case.
Our firm gives free consultation on personal injury cases. Many other personal injury law firms do the same. If you are injured, talk with an experienced lawyer before making a decision.
Following graduation from Cumberland School of Law at Samford University, Eric Stevenson held a number of positions including Assistant State Attorney in the First Judicial Circuit of Florida. Eric has been practicing with partner Christopher Klotz since 2015 litigating personal injury and car accidents in Alabama and Florida.