In 2015 our nation had 6,296,000 police-reported vehicle crashes. In those accidents, 2,443,000 were injured. That is a large number of injuries, and a massive number of potential claims against insurance companies.
The insurance company is not your friend.
We’d like to think that when someone is injured in an accident, the insurance company of the negligence or otherwise at-fault driver would deliver fair, full compensation to the injured party. Unfortunately this is not always the case. The truth is: the insurance company is not your friend. They do not care about you. They are not looking out for your best interest.
The insurance company’s goal is to pay the smallest amount possible.
Their primary goal is to pay out as little as possible in claims against them. And they will use shady tactics in an effort to further their bottom line. Insurance companies are powerful corporate organizations that use pressure and well-honed techniques to convince injured accident victims to settle their claims for far less than they are worth.
Don’t let the insurance company take advantage of you.
- Don’t be fooled by a friendly insurance adjustor. She will act concerned, like she is on your side, she may have a friendly voice and give you the impression that she’s trying to help. Remember: her goal is to get you to believe that she’s willing to make you a reasonable settlement offer.
- Do not talk with the insurance company right after an accident, while in the hospital, while on medication, or while feeling generally overwhelmed. Only talk to them when you are of clear, sound mind. This is the best way to be able to detect manipulation practices and to avoid being bullied into accepting a settlement.
- Alternatively, do not talk to the insurance company at all – hire a personal injury attorney to represent you. Your attorney will deal with the insurance company on your behalf. In fact, once you’re represented by an attorney, the insurance company isn’t allowed to contact you directly.
- Do not settle your claim too soon. We understand that you may need the money to help absorb the costs associated with your injuries, but it is critical that you understand the full extent of your injuries before agreeing to any settlement. Once you accept a settlement offer, that is the end of it. If your injuries later turn out to be more severe that you originally knew, you will not have the right to further recovery to fully compensate you.
- An insurance company may wrongfully deny a claim as a tactic. A personal injury attorney will make sure your side of the story is told, and will work to get you the best possible compensation for your injuries.
Do not be taken advantage of by an insurance company. If you’ve suffered serious injury and have long-term impact from an accident, you need to make sure that you’re compensated fairly. Don’t let the insurance company determine the value of your claim. Hire an attorney who knows the serious effects that this accident will have on your life, health, and your ability to work in the future.
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Matthew G. Miller serves clients throughout Eastern Nebraska and parts of Western Iowa including Douglas County, Sarpy County, Lancaster County, and Pottawattamie County, as well as the cities of Omaha, Lincoln, Bellevue, Papillion, Fremont, Blair, Elkhorn, and Council Bluffs.