What Your Insurance Company Isn’t Sharing With You

Insurance is frequently a requirement. Auto insurance is mandated by law, home insurance is mandated by mortgage lenders, and health insurance is required in certain states.

Policies are required, but their terms can be difficult to decipher.

Insurance companies generally want to pay as little as possible as the less dollars spent on settling claims means more profits for them.

Insurance adjusters are employees of an insurance company who reviews claims on property damage or personal injury and decides how much they’re worth.

Often, they will lowball a claim, but you do not have to accept that. Here are five things your insurance company doesn’t want you to know.

There Is a Deadline to File a Claim

Time is of the essence. Many states give you just 30 days to file a claim with your insurance company, and some require you to alert the police within 24 hours of an event such as a car crash or medical malpractice.

Although you do have one year to file a civil personal injury lawsuit, retaining a lawyer right away can help ensure that you don’t miss any deadlines for your case.

If you are late to file your claim, you can miss your opportunity to obtain compensation for your injures.

You Don’t Have to Accept Their Decision

Once you file a claim, insurance companies are gambling that you will simply accept their decision, even if it’s a low-value settlement or a complete denial.

That is not true. You still can file an appeal, and a lawyer can negotiate a financial settlement while you recover from your accident.

If it cannot be worked out directly between your attorney and the insurance company, your case can go to court.

Because You Can Use Discounts

There are ways you can save on your insurance premium payments.

Discounts should be included in the fine print of your policy, but you can also call up your insurance company and ask which discounts are available.

For instance, if you maintain a clean driving record, you may receive a lower monthly premium.

A homeowner’s insurance plan might offer you a discount if you bundle your car insurance with them or have a security system installed.

Military members, first responders and others may also be eligible for discounts, as well.

You Should Consider Hiring a Lawyer

The insurance companies do not want to involve lawyers in a claim because it will cost more money and may try to convince that it would be expensive for you.

Most personal injury lawyers work on a contingency fee basis.

This means that there are no upfront fees, and your attorney will only recover a fee when they win your case. If you would like to learn more about a free consultation, 联系我们.

You Can Use an Insurance Guide

There is a great deal of valuable information in every state’s insurance guides, including how much an insurance company can charge you for your premiums and how much they are obligated to pay out on claims.

A bonus is that it’s free online.

If you would like a hard copy of the guide you, can get it by calling your state’s toll-free consumer advocate phone number.

Your Lawyer Will Speak Directly with the Insurance Company

Once you hire a personal injury attorney the insurance company can no longer speak with you directly. It’s the law.

All communication must be through your lawyer, who is familiar with the claims process.

When you quickly hire an attorney, it can help ensure that you are protected from any unfair offers or misleading information.

Call if you have been injured or harmed recently. We’re in it with you, to fight for what you deserve.