After being in a car accident, most victims rely on insurance providers for compensation to bear the expenses of car repairs, medical bills, lost wages, and other expenses related to the incident. Unfortunately, many people who suffer through the same learn that insurance providers are not eager to help the victims or policyholders. In too many instances, insurance companies offer inadequate settlements, or they immediately deny claims to protect their profit margins.
Typically, insurance providers get away with such conduct dealing with victims who don’t understand how their insurance works and are struggling daily following their traumatic accident..
Our car accident lawyers in Boston have seen countless victims in terrible situations or who were mistreated by insurance companies. With years of industry experience and reputation, Swartz Law lawyers help victims and hold insurance companies accountable. Because, when a victim files a claim, they have to deal with a for-profit firm. In the United States, insurance companies have databases of accident responses and claims, including payouts and denials. Unfortunately, this is where they try to manipulate the victim into making a statement leading to a lesser settlement or undermining the claim.
Today, in this blog, we would like to help you avoid some common mistakes that can stop car accident claim before it even begins.
Totally Relying on the Insurance Provider.
There aren’t many people who have actually read the entirety of their insurance policy. If you are among those, you would know that it is more complex than layman’s terms. Simply put, the typical consumer does not understand the legal terms mentioned in the policy. In comparison, individuals trained in insurance law do recognize and understand every single thing. So when you ask your insurance provider’s representative or agent, they will give you a list of disclosures mandated by the law. Chances are they may point out the clause where it states that you or your situation is not covered under the policy.
Agreeing to a Quick Settlement
Have you been injured in a road accident? If yes, then you must be wondering what happens to uninsured drivers involved in accidents. According to most lawyers, you would still be entitled to compensation. However, you will definitely suffer from income loss on top of high medical bills and vehicle damage with a car accident. Insurance providers know you are stressed and know what size settlement to offer you under these circumstances, fully aware it is less than you deserve.
However, once you sign the check they are under no obligations and they can close your claim. At that moment, keep in mind that every serious injury requires occupational, vocational, or physical rehab beyond the standard medical treatment. At times, you may realize that more medical care may be needed or you may have setbacks during your recovery phase. Our Boston car accident attorneys never recommend accepting a quick settlement without considering your medical and other expenses. Otherwise, you may be stuck with unforeseen expenses, and you will have to pay them out of pocket.
Sharing a Recorded Statement
Insurance providers may request that they need a statement from your end to process the claim further. Even so, it’s important to know that you have no legal obligation to share a statement with the party at fault. You should comply with your own insurance carrier; still, you should decline to give or sign any recorded statement with them. The possibility is that they may try to downplay your injury claim. The only favorable thing you can do as a victim is to hire a reputable attorney so that the insurance provider must speak to you through them.
Assuming You Don’t Need an Attorney
Having an experienced lawyer by your side in an insurance claim removes the insurance provider’s advantage. Our Boston car accident lawyers at Swartz Law deal with insurance claims and policies every day, aiding us in thoroughly understanding the injured legal rights. So don’t give up on the claim or settle for a lowball settlement offer; consult our lawyers about the incident, and we’ll tell you exactly where you stand.
