Murphy Trial Law

How Do I Deal With Insurance Companies After a Personal Injury?

how to deal with insurance companies after a personal injury

Navigating the aftermath of a personal injury is stressful, especially when it comes to dealing with insurance companies. Whether you’re a victim of a car accident, a slip and fall incident, hurt at work, bitten by a dog, or injured in any way by someone else’s fault, understanding how to handle insurance companies is crucial for protecting your rights. In this post, we’ll guide you through this process and explain why having a personal injury trial lawyer by your side can make all the difference.

Understanding the Insurance Company’s Role

First, it’s important to understand that insurance companies are businesses. Their primary goal is to minimize payouts and protect their bottom line. When you file a claim, the insurance company’s adjusters will scrutinize every detail to find reasons to reduce or deny your compensation.

Why You Need a Personal Injury Trial Lawyer

  1. Expertise in Negotiation: Personal injury trial lawyers have extensive experience putting pressure on and negotiating with insurance companies. They understand the tactics these companies use and are skilled at countering them to ensure you receive full compensation.
  2. Valuing Your Claim: Professionals can accurately estimate the value of your claim, considering medical expenses, lost wages, pain and suffering, and more. This prevents you from settling for less than you deserve.
  3. Navigating Complex Legal Procedures: Personal injury cases can involve complex legal procedures. An experienced trial lawyer is familiar with case law, legal procedure, and the legal duties of insurance companies, allowing you to focus on your recovery.
  4. Representation in Court: If a fair settlement cannot be reached, a personal injury trial lawyer is prepared to take your case to court to fight for your rights.
  5. Increased case value. Having legal representation increases the value of your claim. A recent study found that injury victims with a lawyer reached an average settlement about four times higher than those without a lawyer. Further, the more experienced your attorney is, the more risk for the insurance company. 

Tips for Dealing with Insurance Companies

  1. Do Not Settle Too Quickly: Insurance adjusters often offer a quick settlement to close the case. It’s crucial not to accept any offers without consulting a lawyer, as these initial offers are typically much lower than what you are entitled to.
  2. Be Careful with Your Words: Anything you say to an insurance adjuster can be used against you. It’s best to let your lawyer handle all communication to ensure your interests are protected.
  3. Document Everything: Keep detailed records of all medical treatments, expenses related to your injury, and any lost wages. This documentation is vital for substantiating your claim.
  4. Understand Your Policy: Review your insurance policy thoroughly to understand what is covered. Your lawyer can help interpret complex policy language.
  5. Don’t Underestimate Emotional Damages: Injuries don’t just impact you physically. They can also have emotional and psychological effects, which should be factored into your claim.

How We Can Help

At Murphy Trial Law, we understand the challenges you face after a personal injury. Our team of dedicated personal injury trial lawyers is here to guide you every step of the way. We have a proven track record of negotiating with insurance companies and achieving successful outcomes of multimillion-dollar settlements for our clients, whether through settlement or trial.

Don’t navigate this complex process alone. Let us advocate for your rights and ensure you receive the full compensation you deserve. Contact us today for a consultation and take the first step towards a stress-free recovery.

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