It is almost always a bad idea to accept an offer from an insurance company without first consulting an experienced personal injury lawyer. Why? Because the insurance company’s business model is to take in as many premiums as possible and to pay out as little as possible on claims. This means that when they are able to get away with undervaluing a claim, even yours, they will.
In other words, through various methods, the insurance company will attempt to pay less than the full value of your claim.
First, the adjuster will attempt to convince you that you do not need legal representation. You will be told that personal injury lawyers will take all of the recovery. In fact, studies continue to show that injured persons represented by lawyers recover upwards of 40% more than those going it alone. Without a personal injury lawyer acting as a watchdog and advocating on your behalf, you may leave a good deal of money on the table.
Second, the adjuster will nit-pick your medical treatment and bills. Did you go to a chiropractor? Why didn’t you go to a medical doctor? Why did they charge you x amount for an ice pack or heating pad. You will essentially get the third degree about the decisions made by professional medical providers. Many times, people throw their hands up and give up, just to get a little bit of cash.
Third, the adjuster will not even consider how the injury affected your life. The times you were unable to do the things you enjoy doing, like hiking, walking, or playing with your children. All the times that you lost sleep due to the pain. These are the types of damages called ‘pain and suffering,’ and you are entitled to be compensated for them. However, adjusters will almost always leave these out of the calculation.
These are just some of ways the insurance company will attempt to undervalue your claim. If you or a loved one have been injured in a car accident and you are unsure about taking the insurance company’s offer, then please, feel free to call and speak to one of our experienced Atlanta car accident lawyers today. Our consultations are always free.