Many people consider insurance companies their protection against a variety of financial threats. This is why people willingly pay their premiums and keep their coverage at an amount that will cover almost anything. From business to property and even car insurance, these policies are expected to pay when an injury occurs. Unfortunately, it may not be as easy to get the help that you need and expect without consulting an attorney.
Aren’t Insurance Companies Supposed to Help?
Individuals often find that their insurance company does not help with personal injury claims. After an accident, the injured party tries hard to be honest and does what they should, only to find that the insurance company will not pay. By visiting hirejared.com first, this problem could have been avoided.
Unfortunately, insurance companies are not beneficial entities that simply wait to help with medical bills and other costs of an injury. In actuality, they are for-profit businesses that work hard to continue making profits, including having insurance.
To ensure an insurance company continues to make profits, they will do whatever is possible to keep their payouts low. This means some insurance companies may use unethical or unscrupulous methods to keep legitimate claims from being fully paid. Fortunately, an attorney can help.
Only the Facts
The first step in protecting an injured person’s rights when dealing with an insurance company is to only provide the facts. Any extra information could be used against the injured party and give a reason for the insurance company to reduce the payout. It may be beneficial to have an attorney make any contact with the insurance company.
For example, it should always be left up to law enforcement to determine who is at fault for the accident. Unfortunately, misstatements to an insurance company can cause them to assign blame to the injured party. Making assumptions about what happened or apologizing can cause an insurance company to question fault and use those statements.
Insurance Companies Use Unfair Tactics
The insurance agent is not a friend, no matter how nice and sympathetic they may sound on the phone. The agent is trained to garner as much information from the injured party as possible. This information can be used to deny a claim or lessen the amount of that claim.
Insurance companies also like to delay or deny claims to get the injured party to give up. Some people simply will not appeal a decision that is rejected. Delaying the payout for any reason allows the insurance company to make more money from that money. It also wears down the injured party and enables the insurer to get away with paying less to a desperate person.
These unfair tactics are why injured individuals should contact an attorney to deal directly with the insurance company. An attorney understands insurance companies’ tactics and can prevent them from hurting the client further.
The Insurance Company has Lawyers
The insurance companies hire lawyers to keep everything they do legal, from the original insurance policy language to the tactics they use in the claims process. Although it may seem unfair, the insurer’s team of lawyers helps to rig the game to benefit their bottom line.
In some cases, insurance companies may deny the claim or only offer a settlement far below what should be paid to the injured party. In cases where a settlement cannot be reached, the case may go to court. The insurance company’s lawyers have experience in this area and hope the claimant pursues the case independently.
This is why an attorney is essential. Having an attorney helps to even the playing field a bit for the injured party and ensures their rights are protected. On average, claimants with an attorney receive more than three times higher payouts than if they handled the claim alone.