If you have been injured due to another’s negligence, compensation may be available for your damages. Insurance companies often play an integral role in helping claimants navigate personal injury litigation proceedings and understand what’s expected from them during claims processes and negotiations. Here we provide an overview of their role and their evaluation processes and negotiations processes in personal injury litigation cases.
Evaluation of Claims
Once you file a personal injury claim with the responsible party’s insurer, an insurance adjuster will evaluate it to ascertain its value. They will carefully consider all aspects of the incident including police reports, witness statements, medical records and any other evidence as well as your injuries suffered and losses sustained as well as any relevant factors that could play into its value determination.
Insurance adjusters may request additional documentation or information in order to assess your claim more thoroughly, such as medical bills or proof of lost wages proving damages sustained. It’s essential that accurate and complete details be given in order to guarantee a fair assessment of your claim by insurers.
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- Exam and Advanced Referrals
- Physical Assessment & Consultation
- Attorney referrals if needed
- Medical managed physical therapy and chiropractic visits
- We offer non-opioid mail order pharmaceuticals if needed
Negotiation of Settlements
Once an insurance adjuster has assessed your claim, they may suggest a settlement amount as a means to resolve it without going to court. Their goal is to settle it for as little money possible so as to limit their expenses. Keep this in mind!
At first, it may be difficult to remember that insurance companies are profit-driven businesses with one goal in mind: their bottom line. Insurance adjustors may employ various tactics in an attempt to settle your claim for less than it’s worth – such as offering low initial settlement amounts or disputing the severity of injuries sustained, or shifting blame onto you or another party.
Negotiating a settlement with an insurance company requires having an in-depth knowledge of both its value and your damages entitlements, and working with an experienced personal injury attorney who can advocate on your behalf and negotiate on your behalf.
Accepting an insurance settlement offer means relinquishing your right to pursue further legal action against those at fault, so it is vital that you carefully consider any such offers with your attorney prior to accepting or rejecting them.
Legal Remedies
If negotiations with an insurer cannot result in a fair settlement, legal remedies could include filing a lawsuit against those responsible. This involves attending court hearings where your case can be presented before either a judge or jury.
Litigation can be an intricate and lengthy process, which is why having legal representation to assist is so vital during these proceedings. Your attorney can gather evidence, present your case before the court and advocate on your behalf for maximum compensation to cover damages caused to you and other parties involved.
Note that insurance companies typically employ legal teams to defend against personal injury lawsuits. They may attempt to dispute your claim in court and present counterarguments against evidence and arguments presented; having an experienced personal injury attorney on your side can help level the playing field and increase your odds of securing a favorable result in court. Here at Precision Physical Therapy and Sports Medicine, we can not only take care of your personal injury, we can match you with an experienced attorney at no cost!
Conclusion
Insurance companies play an integral part in the resolution of personal injury claims. They evaluate claims, negotiate settlements and can even become parties in legal proceedings should an injury claim be filed. Therefore it’s crucial that individuals understand how insurance companies play into personal injury claims so as to best protect their rights and seek fair compensation for their damages. Consulting with an experienced personal injury lawyer may prove invaluable in managing insurance company interactions as well as seeking a favorable resolution of their personal injury claim.
Have A Personal Injury?
Visit us at NO COST!
- Exam and Advanced Referrals
- Physical Assessment & Consultation
- Attorney referrals if needed
- Medical managed physical therapy and chiropractic visits
- We offer non-opioid mail order pharmaceuticals if needed
