Why an Insurance Company isn’t Enough

Drivers are required to carry automotive insurance, and most assume that is all they need in the event of an accident. However, the insurance company is not going to be the supportive entity that works with you to resolve accident claims as quickly and smoothly as the insurance ads depict. There are times when additional help will be needed to ensure that the insurance company of the responsible party provides the full compensation that the accident victim needs and deserves.

Business First

If you are the victim of an accident, it is important to remember that the purpose of the insurance company is not to help you through your difficulty. Insurance companies, like other businesses, are designed to make money. If they are paying out generous claims to every policy holder who gets injured in an accident, their profit margin is going down. That’s why it is the job of an insurance company adjuster to find ways to pay the least amount of money on each claim that passes across their desk. They may try to convey a spirit of concern and helpfulness as they are dealing with you, but the truth remains. Insurance companies are a profit driven business that makes money by paying out as little as possible.

The Advantage

Because insurance companies want to keep their profit margins high by paying less on claims, the employees that work for the company are well trained in methods that will do just that. These people are savvy to using comments made by victims to build their case and minimize their liability. Those seemingly casual conversations that you have with an insurance company representative may provide plenty of evidence that will work to their advantage. The victim does not have the same benefit of knowing how those conversations may work against them, and may inadvertently say things that will hurt their case in the long run.

Access

Insurance companies also have access to information – and lots of it – about you, the accident and how to use the law to their greatest benefit. The victim does not enjoy the ability to collect such information, since he does not have a large corporation backing his cause. There is plenty of information that might be used against an accident victim to reduce the amount of his compensation, and insurance companies can find it all.

If the cards are stacked against an accident victim when it comes to collecting a fair claim, what is the solution? An experienced personal injury attorney can work with the insurance company and the courts on your behalf to ensure you get the settlement you need to recover from your injuries and move on with your life. This professional knows what type of compensation you might be entitled to, and will use the proper tools to get the insurance company to pay their fair share. If you have been injured in a car accident, don’t try to negotiate with the insurance company on your own. Contact an experienced personal injury attorney today.

Disclaimer:  This article provided by Abrahamson, Uiterwyk and Barnes of Tampa, FL.

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One Response

  1. […] details: Why an Insurance Company isn’t Enough « LAW INFORMATION […]

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