Accident Attorney vs. Insurance Companies: Who Really Has Your Back?

 After an accident —car crash, workplace injury, or other unfortunate incident— there is perhaps their main questionl as a victim: Will it be the personal injury attorney or the insurance company who will genuinely go to bat for your rights? Knowing each of these can mean the difference between how your claim is processed and, as a result, how much you are compensated.

Insurance companies play the largest role by far.

Most insurance companies portray themselves as guardians, providing you with policies to protect yourself at the time of need. They offer to pay for medical bills, property damage, and sometimes lost wages. However, things can be hinky when it comes time to file a claim.

Profit-Driven Motives

At their heart, insurance companies are businesses. They want to earn profit, and one way they do this is by paying out less money for claims. Insurance adjusters are required to extend the lowest settlement offer they can, and this number may fail to cover all accident-related expenses.

Settlement Tactics

You might be in a hurry to settle quickly with an insurance adjuster after an accident. It may come across as them giving you the best deal and that it is in your best interest to take the money and go. Yet, those offerings need to be higher for what you deserve. Accepting a small settlement could make you unable to pay future medical bills and other expenses.

Denial of Claims

Some insurance companies refuse more refugee claims. They may do so because they believe your injuries are not bad, that you were partially at fault for the accident, or that it was nonexistent. However, this can put you in a frustrating and overwhelming spot.


The Reason That You Need an Accident Attorney

While insurance companies have created policies and procedures to maintain their profits, accident attorneys are working solely in the interest of serving you. They are there to ensure you get what is due to you in damages, including your immediate medical costs and more permanent losses like future medical treatments, loss of earnings and pain and suffering.

Expert Negotiation Skills

Accident attorneys understand personal injury law and are skilled negotiators. They know the common tactics insurance companies employ and how to intervene effectively. It can mean you end up with much bigger settlements than if you did the negotiating yourself.

Thorough Investigation

A seasoned attorney can delve into your accident with a fine-tooth comb and create an impenetrable case. How are they going to do that? Well, they will collect all pertinent evidence, talk to any witnesses, get any medical reports or even get experts, if needed, to prove what you have gone through and how the other party is responsible.

Litigation Experience

When the insurance company will not pay you a reasonable settlement, an accident lawyer can try your case in court. They fight for you in court, making a strong argument to the judge or jury. The threat of a lawsuit typically spurns insurance companies to settle more agreeably as they try to steer clear of the court costs associated with trial.

Maximizing Compensation

An attorney will pay attention to all available compensation forms, whether for pain and suffering, lost wages, future medical costs and, in some cases, punitive damages. They will include every loss in your claim or litigation, so you are not on the hook for the accident-related expenses out of pocket.


Who Has Your Back: The Big Question

If in a competition between an insurance company and an accident attorney, you are very sure you know where to put your money, it's obvious the attorney means well. Insurance companies may appear to be your good friends but are working to increase profits. The means they have in doing so is paying less to victims involved in car accidents.

Opting to hire an accident attorney means you have someone in your corner who only wants what is best for you and isn't afraid to challenge the insurance company to make an offer reflective of your physical ailments and other financial damages.

Conclusion

The difference between hiring an accident attorney is huge when it comes to an accident and simply relying on the insurance company. Many insurance companies will pressure you into accepting fast pay-outs that are far less than what you need to get back on your feet again. In contrast, the task of an accident attorney is to fight for the fair and full amount of compensation you merit.

The Showdown: Accident Attorney vs. Insurance Companies: Who Has Your Back? —the answer is clear. Your accident attorney does. They have the knowledge, negotiation skills and dedication to ensure you receive justice and fair compensation for an accident. Do not leave your future to an insurance company — get an attorney who will fight for you.

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