When you or a loved one suffers an injury as the result of someone's negligent actions it seems logical that the person who caused the injury would offer to compensate you for your personal injury. It is widely believed by average Americans that most or all insurance companies who insure the defendant drivers will do the right thing and offer a fair settlement. However, the reality is that most defendants and their insurers refuse to take responsibility for their actions. In fact, it has become common-place for insurance companies to blame the victims for their own injuries.
Insurance companies profit solely from under-paying injury victims. Insurance companies and their defense attorneys know the law and have millions of dollars in assets to fight these claims. They know that most lay people or unrepresented injury victims are unaware of the full extents of their legal remedies and rights available to them.
Hiring a competent personal injury lawyer will give you access to the help you need to find out your legal rights. Hiring a reputable personal injury law firm helps you establish your case, especially when hired early in the accident process. Competent personal injury lawyers are especially skilled in negotiating with the insurance company, and, if required, will take your case to a jury trial. While non-lawyers are able to negotiate with the insurance company themselves, doing so without a complete legal understanding of their rights puts them at a distinctive disadvantage with the insurance company.
All insurance companies have the same objective -- to pay the smallest amount possible for valid, claims. They will do anything possible to sway the balance in their direction during settlement negotiations. They routinely take advantage of their greater knowledge of the law over non-lawyers and use it to accomplish the lowest possible settlement.
Experienced personal injury lawyers are invaluable in handling all types of insurance companies. They take into consideration all types of insurance available to clients, including their own insurance.
For example many people do not realize they may have under-insured motorist coverage (UIM). UIM is often thought of as "gap" coverage for the difference between what the other driver has in insurance limits and for what you have for insurance limits. For example, if you purchase $100,000.00 in under insured motorist coverage and the other driver only has $25,000.00 in liability coverage your policy would pay up to an additional $75,000.00 in coverage for your injuries. However, that is not always the case. You have to read your policy very carefully to know exactly what you have and exactly how much coverage you actually have available.
During discussions to negotiate insurance claims the insurers routinely attempt to acquire statements through confusing and vague questioning in an effort to harm your case should you ultimately decide to file suit. Experienced personal injury law firms will guide you through the procedure and help protect your rights.
A personal injury lawyer is in the best position to obtain a favorable settlement on your behalf. Often a client's judgment or settlement achieved with representation considerably exceeds what could have obtained on their own, even after attorney fees are deducted. Be Sure to contact experienced personal injury attorneys for help with your injury case.
Insurance companies profit solely from under-paying injury victims. Insurance companies and their defense attorneys know the law and have millions of dollars in assets to fight these claims. They know that most lay people or unrepresented injury victims are unaware of the full extents of their legal remedies and rights available to them.
Hiring a competent personal injury lawyer will give you access to the help you need to find out your legal rights. Hiring a reputable personal injury law firm helps you establish your case, especially when hired early in the accident process. Competent personal injury lawyers are especially skilled in negotiating with the insurance company, and, if required, will take your case to a jury trial. While non-lawyers are able to negotiate with the insurance company themselves, doing so without a complete legal understanding of their rights puts them at a distinctive disadvantage with the insurance company.
All insurance companies have the same objective -- to pay the smallest amount possible for valid, claims. They will do anything possible to sway the balance in their direction during settlement negotiations. They routinely take advantage of their greater knowledge of the law over non-lawyers and use it to accomplish the lowest possible settlement.
Experienced personal injury lawyers are invaluable in handling all types of insurance companies. They take into consideration all types of insurance available to clients, including their own insurance.
For example many people do not realize they may have under-insured motorist coverage (UIM). UIM is often thought of as "gap" coverage for the difference between what the other driver has in insurance limits and for what you have for insurance limits. For example, if you purchase $100,000.00 in under insured motorist coverage and the other driver only has $25,000.00 in liability coverage your policy would pay up to an additional $75,000.00 in coverage for your injuries. However, that is not always the case. You have to read your policy very carefully to know exactly what you have and exactly how much coverage you actually have available.
During discussions to negotiate insurance claims the insurers routinely attempt to acquire statements through confusing and vague questioning in an effort to harm your case should you ultimately decide to file suit. Experienced personal injury law firms will guide you through the procedure and help protect your rights.
A personal injury lawyer is in the best position to obtain a favorable settlement on your behalf. Often a client's judgment or settlement achieved with representation considerably exceeds what could have obtained on their own, even after attorney fees are deducted. Be Sure to contact experienced personal injury attorneys for help with your injury case.
About the Author:
David L. McCollum is a Kansas City personal injury attorney with the law firm of McCollum & Griggs, LLC in Kansas City, MO. McCollum & Grigg's practice areas include catastrophic injuries, wrongful death, vehicle accidents, bar & restaurant liability, insurance litigation and drunk driving accidents.
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