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Tips for Dealing with Insurers after an Accident

Posted on in Personal Injury

CA injury lawyerIn the aftermath of an accident resulting in serious personal injuries, you may be entitled to seek compensation for the damages you suffered through a claim against the at-fault party's insurer. In cases involving car, bike, or pedestrian accidents or in slips, falls, and other types of premises liability cases, seeking an insurance settlement may be a viable option as opposed to having to take your case to court. However, insurance companies are a business and as such, one of their primary concerns is protecting their profits. The following tips may help in getting the most out of your claim.

Questionable Insurance Company Practices

The insurance industry earns billions of dollars in profits each year. In addition to making money through premiums paid by customers, they protect their profits by carefully monitoring the amounts they pay out in claims.

Insurance regulators frequently receive complaints against insurance companies from consumers who feel they were taken advantage of or otherwise treated unfairly. Nearly two-thirds of these complaints center around accident liability and auto insurance policies. Among the most common problems encountered include:

  • Insurance claims denials;
  • Excessive delays in processing claims;
  • Unsatisfactory settlement amounts, which are less than what the claimant needs or deserves.

When filing a claim for personal injuries, it is important to be aware of the company’s underlying motives and to take the steps needed to protect yourself.

Protecting Yourself when Filing a Claim

The California Department of Insurance accepts complaints from consumers concerning unfair insurance company practices. You can access their database to view how the insurer you are dealing with ranks against others and the number and type of complaints they receive.

When dealing with insurance companies that have a history of denying, delaying, or downplaying claims, the following are steps you can take to protect your rights:

  • When any type of accidental injury occurs, report it immediately to the proper authorities so that an accident report can be filed.
  • Always seek medical attention even if you suspect your injuries are minor, as this provides important documentation.
  • File a claim as soon as possible. Any delays on your part could be used to justify a denial.
  • Gather as much evidence as possible at the accident scene. This includes taking photos, getting witness contact information, and making note of the exact time and location. There may be nearby video monitoring devices which may have captured how the accident occurred.
  • Before making any statements or signing any documents, speak with an experienced personal injury attorney first.

Let Us Help You Today

When personal injuries occur, you only have one chance to get the compensation you need to recover in a claim. At the Jachimowicz Law Group, we can negotiate with insurers on your behalf, defending your rights and helping you get the maximum amount you are entitled to. Contact our dedicated San Jose personal injury attorneys today by calling 408-246-5500 and request a consultation to discuss how we can help you.

 

Sources:

http://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/

https://www.kiplinger.com/article/insurance/T004-C001-S001-how-to-check-an-insurer-s-complaint-record.html

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