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You are not required to hire an attorney to handle your personal injury claim. Texans are able to negotiate with the insurance companies on their own. If you choose to do this, there are some things you should know.
It is important to remember that the adjuster is not on your side and does not have your interest at heart when attempting to settle a claim. Don’t make the mistake of believing they care about your situation. They don’t. They care about saving money for the insurance company. If the adjuster is going out of his or her way to be helpful to you- that is a signal they may be worried about the amount of your claim. The adjuster may say things like “we accept liability” hoping that you will feel confident in handling the claim yourself.
The more serious the claim, the more likely it is you will get a call back from the adjuster. One technique used for severe injury and wrongful death cases where the insurance company has substantial exposure is for the adjuster to be extremely personable and friendly. If the insurance company can convince the you not to hire an attorney the odds of them saving money on the case increase exponentially. Statistics show that those who use a lawyer make 300% more than those who do not.
Initial work must be done on your case to develop the claim- if this work does not get done the value of the matter drops. Delay hurts your case. Sometimes, the insurance companies drag the process out so long that victims can no longer file a claim.
If you’re committed to handling the claim yourself, you should be prepared to discuss and negotiate with the adjuster. Preparation is critical, and it is critically important that you have all the relevant facts at hand. Preparation would include copies of all of your medical records, a summary of your lost wages, and of course information regarding the defendant and his insurance company. You should also be aware of coverage under your auto policy that may apply in addition to those paid by the defendant’s policy.
At this point the pitfalls begin. The adjuster will most likely try to “disallow” some of your medical bills and lost wages. He or she may also tell you that the amount of pain in suffering in a case “like yours” is not allowable in a very high amount because the case was a “minor impact” or a “soft tissue only” case because you did not break any bones.
If an experienced adjuster is giving you the run around or trying to “lowball” your claim give the experienced legal team at a call. We have heard all of the tricks from unscrupulous adjusters and we don’t fall for any of them! will get you every penny that you deserve for your medical bills, future medical costs, lost wages, pain and suffering, and the cost of repairing your vehicle
If You or Someone You Love is considering Handling Their Own Case, CLICK HERE to Start Your Claim Today!