Personal Injury Claims: The Insurance Company Is Not on Your Side

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If someone else’s negligence leaves you injured in an accident, you are probably at a loss for where to turn next. Being injured in an accident is extremely unsettling, and your first inclination may be to allow the insurance company to simply do its job and compensate you for the damages you have sustained.

The fact is, however, that insurance companies are in the business of turning massive profits, and your settlement offer may not even begin to cover your losses (How Insurance Companies Turn Bigger Profits). Understanding how insurance companies help keep their profits high and their settlements low can help you protect your rights and your personal injury claim.

The Insurance Company Is Evaluating Your Every Word

There is a reason that every single time you call the insurance company regarding the accident in question you hear a voice tell you that "this call is being recorded." The reason is that the call is being recorded and every single thing you say can be used to attempt to diminish your claim. It is only natural to ask how someone is doing after a car accident, and it is just as natural for you to respond with I’m fine.

The truth is, however, that:

  • Many serious injuries, including traumatic brain injuries and soft tissue injuries, can be slow to present with symptoms.
  • The stress, confusion, and anxiety associated with an accident can diminish your ability to identify exactly how injured you are.
  • Until you have received appropriate medical attention, you really cannot know exactly how serious your injuries are. (Do Not Delay Seeking Medical Care after a Car Accident)

The insurance company is going to try and get you talking sooner rather than later, but you are not required to provide the at-fault driver’s insurance company with a formal statement – and you are well-advised not to do so. Allow your Killeen personal injury lawyer to handle the insurance company on your behalf. (Read more about personal injury law:¬†Personal Injury Law: The Basics)

The Insurance Company May Be Motivated to Settle Quickly

If someone else’s negligence leaves you injured and that person’s insurance company is quick to offer you a settlement, it may seem like the best path forward. After all, you have bills to pay related to the accident, and obtaining cash upfront will help you move past the accident more quickly. The fact is, however, that – when the insurance company wants to settle quickly – they likely have a very good reason for doing so. This means that a speedy settlement offer probably means that the insurance company is betting on you not currently recognizing the full extent of your damages. Never accept a personal injury settlement offer without first consulting with an experienced personal injury attorney. (Read more:¬†Should You Accept the Insurance Company’s Initial Settlement Offer?)

If You Were Injured by Someone Else’s Negligence, You Need an Experienced¬†Attorney

If you have a personal injury claim, attorney Brett Pritchard at The Law Office of Brett H. Pritchard in Killeen, Texas, is here to help. Mr. Pritchard has the dedication, knowledge, and compassion to skillfully negotiate with the insurance company on your behalf. We are here to help, so please do not hesitate to contact or call us at (254) 220-4225 for more information today.


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