Articles Tagged with Insurance Settlements

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Insurance-Claim-PictureThe insurance company is not your friend. I feel like I say this to every potential client, and I get the same response “they’ve been really friendly so far.”

Then we get into the claims process and get down to brass tacks and the client quickly realizes that, had they gone into this without an attorney, what would have been considered “fair” by the insurance adjuster’s definition would have been much different and less zeros on it.

Case in point, I was speaking to a friend recently I had not seen in nearly a decade and it came up that he had been involved in an 18-wheeler accident a few years back. He told me how he had tried to go it alone for a while against the insurance company, in part because they seemed to be on his side and they accepted liability right away. He was hurt pretty bad in the accident and required shoulder surgery and weeks of rehabilitation.  However,  in his initial meeting with the insurance company’s adjuster, they offered him $1,500. He said he couldn’t believe it and as he said it, he seemed to think that I should be surprised too, but I wasn’t.

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Stock Accident PhotoPersonal injury cases often involve many different forms of “damages”. As you will see below, when dealing with an insurance company, and seeking a settlement in particular, it is important to account for everything. You do not want to leave any money on the table, simply because you will not be able to get it back later. Many people are concerned about future medical treatment. Others are worried about the time they missed from work or the damage to their vehicle. Below is an explanation of the different types of damages that you should ask for when seeking a settlement from the insurance company.

Medical Bills: This includes services that you have received, prescription medications and any products or items that you have purchased as a result of your injury. This includes:

(1) Hospital and emergency care; subsequent doctor appointments, chiropractor visits, specialists, and even the cost of surgery;