The Role of Insurance Companies in Personal Injury Cases: What You Need to Know

If you have been involved in a personal injury accident, you may find yourself dealing with insurance companies. While it may seem like they are there to help you, it’s important to understand that their primary goal is to protect their own interests.

At Held, Held & Held, we have seen firsthand the tactics that insurance companies use to minimize or deny claims.

In this article, we will explore the role of insurance companies in personal injury cases and what you need to know to protect your rights. If you have been injured and need legal assistance, please contact the Brooklyn personal injury lawyers at Held, Held & Held today.

Understanding Insurance Companies and Personal Injury Cases

When you are injured in an accident, you may need to file a claim with your insurance company, the other driver’s insurance company, or both. However, it’s essential to understand that insurance companies are businesses, and their primary goal is to protect their own financial interests.

Insurance adjusters may seem friendly and helpful, but they are trained to minimize or deny claims whenever possible. They may use tactics like offering a quick settlement that is less than what your case is worth or using recorded statements to twist your words and reduce your claim’s value.

It’s crucial to work with a Brooklyn personal injury lawyer who can negotiate with insurance companies on your behalf. A lawyer can help you understand your rights, calculate the full extent of your damages, and fight for fair compensation. They can also handle all communication with insurance adjusters, protecting you from making mistakes that could harm your case.

Common Tactics Used by Insurance Companies

Here are some common tactics used by insurance companies in personal injury cases:

• Offering a quick settlement that is lower than the true value of your case
• Delaying the claims process to pressure you into accepting a lower settlement
• Using recorded statements to twist your words and reduce the value of your claim
• Requesting unnecessary documentation or medical exams to delay the claims process
• Blaming you for the accident or suggesting that your injuries are not as severe as you claim
• Using previous medical conditions or injuries to argue that your current injuries are not related to the accident
• Offering a lump sum settlement that doesn’t take into account future medical expenses or lost wages
• Discouraging you from hiring a lawyer by suggesting that legal fees will eat up any potential settlement

It’s important to be aware of these tactics and to work with an experienced personal injury lawyer who can protect your rights and fight for the compensation you deserve. If you’ve been injured in an accident, contact Held, Held & Held to schedule a free consultation.

How to Deal With Insurance Companies in Personal Injury Cases

Dealing with insurance companies in personal injury cases can be challenging, but there are steps you can take to protect your rights and increase your chances of receiving fair compensation:

• Consult with a personal injury lawyer. An experienced lawyer can help you understand your rights, calculate the full extent of your damages, and negotiate with insurance companies on your behalf. They can also handle all communication with insurance adjusters, protecting you from making mistakes that could harm your case.
• Don’t accept the first settlement offer. Insurance companies may offer a quick settlement that is lower than what your case is worth. It’s essential to consult with a lawyer before accepting any offer, as they can help you negotiate a fair settlement that considers all of your damages, including future medical expenses and lost wages.
• Be careful what you say. Insurance adjusters may try to twist your words or use recorded statements against you. Be careful what you say, and don’t admit fault or downplay the severity of your injuries.
• Keep detailed records. Keep track of all medical bills, receipts, and other expenses related to your injury. This information can help you calculate the full extent of your damages and support your claim for compensation.
• Be patient. Personal injury cases can take time to resolve, and insurance companies may try to delay the claims process. Stay patient and work with your lawyer to navigate the process with confidence.

If you’ve been injured in an accident, contact Held, Held & Held to schedule a consultation with an experienced personal injury lawyer who can help you navigate the claims process and fight for the compensation you deserve.

Working With a Personal Injury Lawyer

Working with a personal injury lawyer can be essential to protect your rights and maximize your compensation.

A lawyer can provide valuable guidance, negotiate with insurance companies on your behalf, and ensure you receive fair compensation for your damages. They can also handle the legal complexities of your case and represent you in court if necessary. With an experienced personal injury lawyer on your side, you can focus on your recovery and leave the legal work to a professional.

If you’ve been injured in an accident, contact us today to schedule a consultation with an experienced personal injury lawyer.