Ask an Attorney About Working with Insurance Companies

Accidents happen, and when they do, it can be overwhelming to deal with the aftermath. If you’ve been injured and your case is going through an insurance company, you might be wondering if hiring a lawyer is necessary.

The short answer: yes. Hiring an attorney can make a world of a difference in the outcome of your case and maximize the compensation or benefits you will receive.

Understanding Insurance Companies: Before we delve into the role of a lawyer, let’s take a quick look at how insurance companies operate. Insurance companies are businesses that aim to make a profit. They have adjusters and attorneys whose primary goal is to minimize the amount they pay out in claims.

While insurance adjusters may seem friendly, it’s important to remember that they work for the insurance company and their interests lie in protecting their employer’s bottom line.

Why You Might Need a Lawyer:

1. Evaluating Your Claim: Determining the true value of your claim can be challenging, especially if you don’t have a legal background. Insurance companies may offer a settlement that seems fair at first glance, but it could fall short of covering all your medical expenses, lost wages, and other damages. A skilled personal injury attorney can assess the value of your claim and fight for a fair settlement that considers all your losses.
2. Negotiating with the Insurance Company: Dealing with insurance adjusters can be a complex process. They may use various tactics to undermine your claim, such as questioning liability or downplaying your injuries. Having an attorney by your side can level the playing field. They can negotiate with the insurance company on your behalf, using their experience to advocate for your rights and ensure that you’re not taken advantage of during the process.
3. Proving Liability: In some cases, determining liability can be challenging. Insurance companies may try to shift blame onto you, even if you were not at fault. A personal injury attorney can gather evidence, interview witnesses, and work with experts to establish liability. They will build a strong case that supports your version of events, helping you seek the compensation you deserve.
4. Understanding Legal Procedures: Navigating the legal system can be daunting, especially if you’ve never been involved in a personal injury case before. A lawyer can guide you through the entire process, ensuring that you meet all necessary deadlines, file the required paperwork correctly, and handle any legal complexities that arise along the way. This can alleviate stress and allow you to focus on your recovery.
5. Going to Trial: While most personal injury cases settle out of court, some may require litigation. If negotiations with the insurance company break down, having a lawyer who is experienced in the courtroom can make a significant difference. They can prepare a solid litigation strategy, represent you in court, and fight for your rights before a judge and jury.

Hiring a personal injury or workers’ compensation attorney can be highly beneficial, even if your case is going through an insurance company. From evaluating your claim to negotiating with insurance adjusters and ensuring your rights are protected, an attorney can level the playing field and increase your chances of obtaining fair compensation. If you’ve been injured, consider reaching out to the team at Petersen, Parkinson, and Arnold for a no-cost consultation.  We can guide you through the process and provide the support you need during this challenging time. Remember, you don’t have to face it alone.