How To Deal With Insurance Companies During A Personal Injury Case

Most people involved in personal injury cases file for settlement with the insurance company of the party responsible for the injury. Since these claims are for ‘genuine’ losses there shouldn’t be a problem right? Well, that doesn’t happen to be the case all the time. Sometimes even claims with a strong case don’t get paid. The insurance world is not as straight forward or simple as it seems, so you have to be careful when dealing with insurance companies. This article would help you in dealing with insurance companies when it comes to personal injury cases. Inform yourself more on injury attorney Dallas.

Filing a Claim


The first thing you would have to do is to file a claim with the insurance company. After filing your claim for settlement in a letter of demand, the insurance company goes to work to determine how legitimate your claim is and what the value should be. To do these, they would assign your case to an adjuster. The adjuster would liaise with you, probably via phone calls or scheduled meetings. To arrive at the value for your compensation, the adjuster would consider two key points: the value of the damage which could be the cost of treatment, and other expenses incurred by the injured party. Having done this and other necessary research the loss adjuster will make you an offer. Do not expect the offer to match your claim, as in most cases the insurance companies would offer you less than what you asked for.

Be Prepared


Due to the webbed nature of the insurance business and the difficulty in getting claims paid, it is best you hire a lawyer to represent you. Insurance companies do not want you to get the lawyers involved so they would tell you there would be no need to involve a lawyer. Also, they would most likely make low offers and try to get you to accept them believing it’s the best you would ever get. Insurance companies play mind games quite well and if you are not well informed, you would most likely give in to their conditions. So ensure you have a lawyer to represent you.

The success or failure of your case rests greatly on evidence gathered. So you have to ensure your arsenal is loaded with proof. Medical records, photos from the scene, paystubs, etc. should be readily available in case they are needed.


By now you must have heard of insurance claims gone wrong and other stories of how tricky insurance companies could be in their dealings. So it is important to be prepared because they will come at you quite hard. Whatever value you must have set for claims, be sure to hold onto them and not accept the first offer you are given, and as always, seek legal advice all the way.

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How To Afford A Personal Injury Attorney

If you are injured in any way and it is someone else’s fault, you need to make a personal injury claim to cover any expenses you incur and for pain and suffering. It is generally expensive to hire an attorney, but there are options that can put doing so within your reach. Here is how to afford a personal injury attorney.


Shop around

Compile a list of questions to ask any potential attorney and then visit at least three. Make sure that they offer a free first consultation. You can then make a comparison. Ask for references and evidence of success. Then negotiate. Your aim is to get the best deal without having to pay anything before you receive compensation for your injury and to be left with a reasonable amount of money after this.

Contingency fees

A contingency fee is a fixed fee. You agree with the lawyer that they will take a percentage, usually between 25-50% out of the compensation awarded. The money is only paid if an award is given. This money is paid whether or not the case goes to trial. If the attorney is unsuccessful, you pay nothing.

Other costs


Even if a contingency fee is agreed, other costs may be passed on to the client. Fees for filing with a court, for depositions and obtaining reports are not included. Some attorneys will agree to waive these and so it is worth asking before you hire them.

Be sure you know how much your claim is worth

Assessment of personal injury claims is complicated as so many factors are involved. No two cases are entirely similar. A good attorney should be able to advise you or a rough figure. Knowing this can help you decide if you will settle for an offer that is made out of court. If the offer reflects the possible range of compensation then it works in your favor. If you have a large claim, then there is room to negotiate a better contingency fee with your attorney.


Agree a time scale

You may well lose money if the attorney delays handling your case. Costs for things like care and home help may have to be paid up front. Make sure that the one you choose is willing to work within and agreed time scale so that you do not suffer unnecessarily.

Ensure any settlement truly reflects your current and future needs

While settling out of court may seem a good option, remember that you need to consider the future effects of your injury. Make sure that your future earning potential and medical needs are reflected in the sum of money your lawyer agrees upon with the defendant. It is wise to pay heed to any medical opinion concerning this or you may lose out in the future.

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