28 Oct 2015

Why You Should Talk to a Lawyer Before Settling with an Insurance Company

After a car accident, it’s normal to feel shaken up and overwhelmed. Soon after an accident occurs, you will likely be contacted by an insurance company representative. If this happens to you, it is very important to speak with a lawyer before accepting any type of insurance company settlement. If you accept a settlement offer without consulting an attorney, you could receive far less than the full value of your claim.

Insurance Companies Are Not Your Friends

Insurance companies work hard to promote a friendly, neighborly image, but never forget that their primary interest is protecting their bottom line. Their mission is to pay out as little coverage as possible. If you accept an insurance company settlement offer, you waive your right to pursue a claim against the insurance company. Your lawyer can assess your claim to determine whether you should receive more compensation.

Have You Fully Evaluated Your Medical Costs?

When you’re injured, it’s tempting to accept a settlement offer that pays your current bills. In many cases, however, injuries last much longer than you originally anticipated. Long-term injuries can prevent you from working and enjoying normal life. If you accept a settlement offer now, without fully evaluating the long-term cost of your pain and suffering, you may be foregoing compensation you need to truly cover the cost of your injuries and other losses.

Negotiating Power

An experienced personal injury lawyer knows how to negotiate with insurance companies. Your attorney knows how to deal with common insurance company tactics and overcome obstacles that might otherwise harm your claim. Working with a lawyer can also ease the burden of attempting to negotiate your own case while you’re still trying to heal from your injuries.

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