Many people consider insurance companies their protection against a variety of financial threats. This is why people so 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 that needed and expected help.
Aren’t Insurance Companies Supposed to Help?
Far too often, individuals find that their insurance company does not help with their personal injury claims. After an accident, the injured party tries hard to be honest and do what they are supposed to do only to find the insurance company is not going to 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 to make profits, including having insurance themselves.
To ensure an insurance company continues to make profits, they will do whatever is possible to keep their payouts low. This means that some insurance companies may use unethical or even unscrupulous methods for keeping 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 provide 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 actually at fault for the accident. Unfortunately, misstatements to an insurance company can cause them to assign fault to the injured party. Making assumptions about what happened or even 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 simply to get the injured party to give up. There are some people that simply will not appeal a decision that is denied. 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 allows 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 the tactics insurance companies use 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, including everything 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 that is 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 that the claimant pursues the case on their own.
This is why an attorney is important. 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 tend to receive more than three times higher payouts than if they handled the claim alone.