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Three Things Insurance Adjusters Won't Tell You after an Accident

Posted By Duck Law Firm, LLC || 8-Aug-2016

Have you been injured in an accident through no fault of your own? Chances are good you may be entitled to recover compensation for your losses by filing a personal injury claim against the responsible parties. Sometime following your accident, you will likely be contacted by the at-fault party’s insurance adjuster and will be presented with a settlement figure that they claim will pay for all of your hospital bills, lost wages, and any other damages that you have incurred. Sounds good, right? Better think again.

Despite the friendly façade that many insurance adjusters may attempt to present, it is important to remember that an insurance company’s primary concern is to limit its liability and protect its profits. As such, insurance adjusters may resort to certain tactics or omit certain information in their communications with you in order to get you to settle for as little as possible.

Before you agree to any settlement after your accident, it is important you take a moment and consider the following information:

  1. Their initial offer may be inadequate: It is highly likely that any initial settlement offer you receive will not be sufficient to cover all of your damages. While the proposed amount may cover your initial hospital visit, there are many other expenses to consider. Follow up treatments, medications, physical therapy costs, x-rays, surgeries, and lost wages from time spent away from work can cost a considerable amount of money – and will be your financial responsibility if they exceed the limits of your settlement.
  2. You are entitled to multiple types of benefits: There are several different types of insurance, therefore there are several types of benefits you may be entitled to receive. If you sign off on a settlement from one insurance provider without first consulting with an attorney, you could be inadvertently be forfeiting your right to receive these other benefits.
  3. You have time to consider their settlement: The insurance adjuster will likely lead you to believe that you must accept their offer as soon as possible. In reality, you actually have much more time to consider your options. An attorney can help you take steps to maximize your potential settlement and ensure your rights are protected.

Injured? Call (337) 660-2699

If you have been injured in an accident caused by another person or business, the Lafayette personal injury lawyers at Duck Law Firm, LLC can provide the skillful advocacy you need to ensure your rights are protected. Having represented the rights of injured clients throughout Louisiana for more than 20 years, you can choose us with confidence to handle your case with professionalism and care.

If we don’t win, you don’t pay. Fill out an online form today to schedule a free case review.
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