Every driver who gets behind the wheel of a car owes every other driver on the road, pedestrians, and cyclists a duty of care to operate his or her vehicle safely. All too often, drivers find their focus split between the road and their cell phones or their infotainment system. The majority of accidents are caused by simple carelessness. Others are caused by a failure to yield the right of way or obey the laws of traffic.
When another driver is responsible for an accident and causes injury, he or she can be held liable. Typically, these claims are made against the driver’s liability insurance policy.
In the process of recovering from a serious crash, you are bound to hear from the other driver’s insurance company. You should not speak to the adjuster, but if you do, you should know that the insurance company will be recording the conversation and will use whatever you say to hurt your case. This can be as simple as asking loaded questions or making statements like: “I hope you’re feeling better today.”
For what it’s worth, they do hope that you are feeling better today. It means that they can make a lower settlement offer. When you contact a personal injury lawyer to litigate your claim, all communication is routed through us. You will not have to talk to the insurance company nor worry about what you said impacting your settlement offer.
The function of an insurance company is to indemnify their client up to a certain amount of money, the policy limit on their policy. Most drivers routinely only carry enough insurance as required by law. Drivers, however, can opt to carry uninsured/underinsured insurance policies. These policies cover them for the difference between what their expenses are and the policy limit of the at-fault driver.
This too can be frustrating. Insurance companies, even when it is your own policy, do not want to pay out large sums of money. In some cases, they will stall or find some term of the policy buried in the fine print to get out of paying you. Even when you are filing a claim against your own policy, it helps to have a Defiance auto accident lawyer manage your communication with the insurance company.
The more extensive your injuries are, the more important it is to have a lawyer litigate your claim. You will only get one chance to settle, and once you sign off on a settlement, there are no take-backs. Your personal injury lawyer knows what the full value of your claim should look like, and we will fight to get you every penny you deserve.
The Defiance auto accident lawyers at Lafferty, Gallagher & Scott understand how important a fair settlement is to get you back on your feet. Talk to us today to set up a free consultation.
All of our partners are AV Peer Review Rated* through Martindale-Hubbell. Out-of-state referrals are welcome for all
areas of practice we handle, including personal injury, workers’ compensation and insurance claims issues.