After you or a loved one is injured, you may not be sure who you can talk to and who you can trust. You may get letters or phone calls from the other parties involved, their attorneys, and the insurance companies. It can be difficult to know who represents you, and who represents someone else. Insurance companies often have overlapping and conflicting interests. Before you talk to the insurance company's lawyers, you should make sure you have a clear understanding of who has your best interests at heart.
If you've been injured, your focus should be on getting better, not dealing with insurance companies. Unfortunately, dealing with the insurance companies may be an unavoidable part of a personal injury claim. Insurance companies can be involved in many aspects of our daily lives. Whenever someone suffers an injury as the result of someone else's negligence, an insurance company may step in to try and deal with the claim before the injured party takes them to court.
Some of the most common personal injury claims involve car accidents, workplace injuries, slip and falls on business property, and injury resulting from a product defect. All of these implicate insurance liability. All drivers in Pennsylvania are required to have auto insurance. Most workplaces have insurance to cover accidents or injuries. Businesses have insurance to cover premises liability claims. Companies have insurance coverage to deal with defective products that cause injury. However, even if you do have insurance, they will not always advocate for what is best for you.
The problem with dealing with the insurance company after you are injured is that it does not create a level playing field. The insurance company is a business that is interested in making profits, and paying out as little as they can on an injury claim. They are experienced in dealing with and evaluating personal injury claims. They also know what to look for in a claim to deny coverage, and to reduce payouts. On top of all this, they have a team of lawyers working on their side.
On the other hand, an average person has little experience dealing with insurance companies, aside from signing up for car insurance. They don't know how to evaluate a claim, what the claim may be worth, whether they have a strong case to file a lawsuit, and how to fight for a maximum settlement offer. Unfortunately, many individuals also try and deal with the insurance company without hiring a lawyer to advocate for their best interests.
You may have a lot at stake, with medical bills, long-term treatment, pain and suffering, and lost wages. The insurance company lawyer may try and get you to say something that they will later use against you. They may also try and convince you to accept a lower settlement offer, so that you will sign a release to your legal claims. Talk to your own attorney so you can get a fair assessment of what your claim is worth, and how to make sure you are fully compensated for your injuries.
When the other party's insurance company lawyer tries to contact you, remember that they are not working for you. They are working for the insurance company and representing the insurance company's interests. If you want a fair fight, you should consider talking to an experienced personal injury attorney who will deal with the insurance company's lawyer. The next time the insurance company calls, you can simply tell them to talk to your lawyer, and they shouldn't bother you anymore.
After you hire an attorney, you can focus on getting back to a normal life. Behind the scenes, your attorney will be fighting for you to make sure you get the compensation you deserve. They will negotiate a settlement, file a lawsuit, and continue fighting for you all the way through a jury trial, if necessary.
Consult Experienced Philadelphia Personal Injury Attorneys
Even if you don't think you need to hire a lawyer, you can take advantage of a free consultation to talk to an attorney about your case. Before you sign any waiver of your rights, you should consider talking to an experienced lawyer to make sure the settlement is fair and fully compensates you for your injuries. Contact the team at Gilman & Bedigian. Our experienced personal injury attorneys will make sure you don't have to deal with the stress of negotiating with the insurance companies, so you can focus on healing and move forward with your life.