Insurance Adjusters and the Personal Injury Claims Process
If you are in an accident, one of the first steps you take after the accident is to contact your insurance company. The company will send an insurance adjuster to investigate the claim, decide whether it has merit, and determine how much to pay.
What many drivers do not understand about the claims process is that the insurance company is a for-profit entity with a vested interest in keeping its costs low. One of their largest expenses is settlement payouts. By underpaying or avoiding claims, insurance companies increase their profits.
It's irrelevant whether you file a first-party or third-party claim because the insurance company prioritizes profits. Even if you are their customer, your needs are secondary to the company's mission.
Many insurance companies also employ and train claims adjusters and attorneys to be aggressive. It is not uncommon for them to use manipulation or intimidation to reduce or avoid a settlement.
Alternative to Settlements in North Carolina Personal Injury Claims
Drivers who have filed a claim with their insurance provider will likely get a settlement offer by the insurance company. This settlement offer may be far less than what the injured party needs to recover in order to be made whole or the closest thing to it. The terms of the offer, however, are designed to make it seem like the driver is actually getting a good deal.
Many injured parties take the settlement offer because they are desperate and need the money immediately. Many of them only realize months later how little they received in light of the true extent and nature of their injuries.
If you have been injured in an auto accident, you do not have to accept the settlement offer. You can hire a lawyer and, if in your best interests, you can file a personal injury claim. Through a personal injury claim in civil court, you have more flexibility, and your attorney has more tools to negotiate a settlement in your favor or opt to go to trial to get you the best possible settlement.
Contact an Auto Accident Attorney in North Carolina Today
At Posch Law Firm, we know you are dealing with a lot right now. Auto accidents, even when the property damage and bodily injury are not severe, take a toll on a person. It is a hassle to deal with insurance companies, especially when the auto insurance adjusters are intimidating. Our auto accident lawyer will do all the work for you, so you can worry about your recovery and not worry about if you are going to get the compensation you deserve. Contact our office today at (910) 817-6284 to schedule a Free Consultation and learn more about how we can help you.
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