Car Accident Insurance Claims: The Critical Role of the Claimant’s Attorney
After a car accident, one of the first things you should do is hire a car accident attorney who has the qualifications and experience necessary to get results.
Recovering damages is not always as easy as simply filing a claim with the negligent party’s insurance provider and waiting for a check. If you want to recover the full and fair compensation you deserve for your claim, you will need skilled legal counsel by your side.
It does not matter what type of accident you have been involved in, nor the type or degree of the injuries you sustained. Working with an attorney can dramatically improve your chances of receiving a fair and just settlement.
Insurance Companies Are Not on Your Side
Many people are under the mistaken impression that insurance companies – particularly their own insurance providers – have their best interests in mind. This is simply not true.
Insurance companies are in business to make money. These companies do not increase their profits by paying out large settlements or claims if they do not have to. In the insurance industry, money is made by bringing in insurance premiums and paying out as little as possible on claims.
Do not expect the insurance company to willingly pay out the maximum covered amount without a fight. Insurance companies have their own highly skilled and aggressive attorneys who work hard to help them minimize their losses. If the value of a claim can be reduced or eliminated entirely, the insurance company and their lawyers will do what is necessary to achieve that goal.
Accident victims are advised to retain their own legal counsel immediately following an accident in which another person’s negligence led to serious personal injuries or the death of a loved one.
How a Skilled Attorney Can Help You Fight for Your Rights
Car accident insurance policies are not easy for the layperson to understand. At times, these documents may have been written to confuse policyholders and leave them questioning whether their injuries are covered.
Because car accident claims in New York are filed according to a “no-fault” system, some claims will be assessed by your insurance provider based on the terms of your own policy. If your injuries are severe enough, you may be entitled to bring a claim against other parties responsible for the accident.
In either situation, an attorney can provide immeasurable value to your case by:
- Conducting an independent investigation into the accident and its cause.
- Working with accident reconstruction experts.
- Consulting with medical experts.
- Developing life-care plans to help establish the true value of your claim.
- Negotiating a fair settlement with the insurance company if possible.
- Challenging false claims made by the insurance company.
- Presenting your case in court.
- Protecting your rights as an injury victim.
- Helping you aggressively fight instances of insurance bad faith.