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Protecting Yourself in Insurance Company Negotiations

Posted on in Personal Injury

San Jose personal injury attorneys, insurance company negotiations, personal injury accident, motor vehicle accidents, personal injury settlementWhen you suffer personal injuries as the result of a car crash, a slip and fall, or some other type of accident where another person is at fault, you may be entitled to compensation through an insurance claim. While the law requires drivers, property owners, and others to carry insurance in the event accidents occur, getting the insurance company to pay is often a more difficult manner. In these situations, it is important to have an experienced San Jose personal injury attorney on your side to help ensure you get the compensation you need to recover.

Dealing with Insurance Companies after a Personal Injury Accident

In motor vehicle accidents and in cases involving injuries which occur on another’s property, your first steps immediately after should be to notify law enforcement or security and seek medical attention for your injuries. Taking these actions help to protect you when filing an insurance claim.

Once an incident is reported, a claims adjuster will be assigned to your case. His or her job will be to investigate your case to determine the underlying causes and to estimate the amount of damages you suffered. Unfortunately, while people often assume these companies will treat them fairly, the fact is their bottom line tends to be profits. In order to save money, the insurance company may attempt to do the following:

  • Blame you for being at fault or partially to blame for the accident;
  • Downplay and dispute the extent of the injuries you suffered;
  • Underestimate your losses or the future costs you are likely to incur.

The insurance company may attempt to offer you an immediate settlement after your accident, while you are still vulnerable and recovering from your injuries. Beware that these offers are almost certain to be less than what you deserve, and you should avoid signing any documents until you have had the chance to discuss the matter with an experienced personal injury attorney.

Negotiating with Insurance Companies

In determining a settlement amount, the insurance company will use evidence gathered at the scene of the accident, including testimony from you and the other parties involved. They may review your medical records, while consulting with company guidelines in terms of payout amounts.

The California Department of Insurance (DOI) has strict rules and regulations relating to how insurers handle customer and payout on claims, but this does not prevent them acting in bad faith either by denying your rights to coverage or by failing to properly investigate your case. As an experienced personal injury attorney, we have the resources to conduct our own investigations, gathering the evidence needed to support your version of events. We understand the hard ball tactics insurers use in negotiations, and have a proven reputation for fighting back, helping you to get the most from your claim.

Reach out and contact Jachimowicz Law Group and request a consultation with our dedicated San Jose personal injury attorneys. We provide the aggressive legal representation you need in these situations, to help you get the maximum amount to which you are entitled.

Source:

https://www.insurance.ca.gov/01-consumers/130-laws-regs-hearings/

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