When you are in an accident and you have been injured or you need help to repair your vehicle and other property, you may find the insurance company is being difficult. Other times the insurance company may be very helpful and promise that they will take care of you and your needs, only to find what they offer isn’t nearly good enough. An insurance company wants to make money and will attempt to settle your claim as cheaply as possible. When dealing with the insurance company, there are some red flags that can tell you that you need some legal aid getting the compensation you need. Lastimado Texas will share a few red flags of things your insurance company may tell you and when to seek an attorney.
How Do You Respond to an Insurance Claim
“This will be our best offer”. When you hear this from your insurance adjuster, know that an insurance company will never want to give you the full value of your claim. Of course the insurance wants to make money and try not to give out the promised amount. You may believe them when they tell you the sum is their final offer, or you may have a hard time determining how much you paid into your policy and how much you are supposed to be getting back. When you feel like you are not getting the full value from your claim, you will want to seek out a personal injury attorney and get the help you need in filing your claim.
What Happens if You Decline an Insurance Offer?
“If you refuse our offer, you will get nothing”. This is another tactic that some insurance companies like to use to pressure you to make a fast decision and take their first offer. When an insurance company tries to low-ball the settlement, they will make it seem you are lucky to be getting what you are getting. When you are injured in an accident, you may have a ton of medical bills, ongoing medical care, and loss of income. Do not take the first offer if it doesn’t seem right. If you paid into a policy, the insurance cannot deny you your claim. Do not feel pressured when they tell you “it is this or nothing.”
How Do Insurance Companies Determine Compensation?
“Your Injuries do not meet compensation”. Often an insurance company will suggest your injuries are not bad enough for you to file a claim. They do not get to make that decision. If you were injured and need medical care, or your doctor determined you require treatment and ongoing care, and your injuries prevent you from going to work, well then you need compensation. If you need help convincing your insurance company you do need compensation, then bring all of your medical records to a personal injury attorney and they will assist you in getting the help you need.
Why Would an Insurance Company Deny a Claim?
“A previous accident and injuries allow us to deny your claim”. If you had a previous accident and needed compensation and you were in another accident, the insurance company can deny a second claim. Where some insurance companies can deny a second claim, an experienced attorney may be able to plead your case and get you a second compensation. For example, if the second accident aggravated previous injuries or additional injuries was sustained during the accident, you can get a second settlement.
Personal Injury Attorneys in Dallas, San Antonio & Austin, TX (Just Minutes from Carrollton, Garland, Irving, Mesquite & Grand Prairie, Texas)
If you need help getting an honest settlement and get the compensation you need, contact Lastimado Texas today.
