If you are facing a personal injury claim, you may be wondering whether it’s a good idea to attempt to settle with the insurance company on your own or if you should retain an attorney.
Ultimately, the decision is yours. However, there are a few things you need to know about dealing with insurance adjusters before you attempt to settle a car accident claim on your own.
Dealing With Insurance Adjusters
Soon after an accident, your insurance company (or the at-fault party’s insurance company) may call you to ask you questions about the incident, request your medical records, or request that you give a recorded statement.
Even when they seem well-meaning, concerned and caring, the truth is that insurance adjusters work for the insurance company, not for you.
Is Your Insurance Company Really “On Your Side”?
Despite the feel-good commercials and friendly spokespeople, insurance companies are in business to make money. Even your own insurance company may not have your best interests in mind when they attempt to negotiate a settlement offer with you.
Instead of negotiating and working directly with insurance adjusters, many people choose to work with a personal injury lawyer; they leave communication with insurance adjusters up to their attorneys.
How Do You Know if an Insurance Company is Lowballing You?
In the state of Indiana, most auto insurance policies carry personal injury protection coverage. The state even says that newly written auto liability policies are required to include uninsured and underinsured motorist coverage unless the buyer rejects it in writing. This coverage can help protect you in the event that the person responsible for your injuries doesn’t have adequate – or any – insurance coverage.
However, that doesn’t mean that the insurance company will automatically pay you the limit of your coverage.
Insurance adjusters may attempt to pay you as little as possible in an effort to preserve their company’s bottom line.
Unless you have significant experience in personal injury law and you understand what your case is worth, you may have a difficult time recognizing a “lowball” offer.
Could You Reject a Settlement Offer?
While it is unfortunate, sometimes insurance adjusters act “tough” to get you to accept a low settlement offer. If you work with a lawyer, he or she will be able to tell you if the insurance company is attempting to pay you less than what your case is actually worth. Further, your attorney will be able to negotiate on your behalf.
Working With an Indianapolis Personal Injury Lawyer
Many people find that it’s a good idea to work with an Indiana personal injury lawyer who understands car accident cases and knows how to deal with insurance adjusters. Furthermore, with WKW’s contingency fee, you pay nothing for legal representation unless we win your case.
Call Wilson Kehoe Winingham at 317-920-6400 if you need help after a car accident. If it’s easier, you can also contact us online. We can provide you with case-specific legal guidance and help you get the compensation you deserve.