Injury attorneys have a wealth of knowledge and experience that can help individuals navigate the often complicated and overwhelming process of dealing with insurance companies. One of the biggest secrets they know is that insurance companies are not as eager to settle claims fairly as they may initially seem. These companies are ultimately focused on their bottom line, and as such, they will use a variety of tactics to minimize the amount of money they pay out. Understanding these tactics can help individuals better protect their interests. One of the first things injury attorneys will advise is not to accept the first offer from an insurance company. Insurance companies often make an initial low-ball settlement offer, hoping that the claimant will accept it out of desperation or lack of understanding of the full scope of their injuries and damages. An experienced injury attorney knows that this is a common strategy and will encourage their client to seek a full evaluation of their injuries and damages before agreeing to any settlement.
Another key secret is that insurance adjusters are skilled at minimizing claims. They are trained to gather information and ask questions in ways that can lead claimants to accidentally undermine their case. For instance, an insurance adjuster might ask a seemingly innocent question about how the claimant is feeling or whether they have seen a doctor, and then use the answer to argue that the injury is not as severe as the claimant claims. Injury attorneys know how to protect their clients from these tactics by advising them on what to say and when to speak with an attorney present. They also ensure that all medical records and other evidence are presented accurately and comprehensively. In many cases, insurance companies will drag out the claims process to wear down the claimant, hoping they will either give up or accept a lower settlement. This tactic of delay can be incredibly frustrating, especially for individuals dealing with the aftermath of an injury.
Insurance companies will often look for any reason to deny a claim or reduce its value, and missing or incomplete documentation can be a significant problem. Injury attorneys will meticulously gather all the necessary records, from medical bills and police reports to witness statements and expert opinions, ensuring that every aspect of the case is covered. They will also advise clients on the importance of keeping detailed records of their injuries and treatments, which can be crucial in building a strong case. Finally, injury attorneys are familiar with the possibility of going to trial, though they will typically try to settle a case without the need for litigation. However, the mere knowledge that an attorney is willing to take the case to court can sometimes encourage insurance companies to offer a more reasonable settlement and read review. Attorneys know the legal system and how to build a compelling case, and they use this knowledge to push for the best possible outcome for their clients.