The typical procedure for car accidents and other personal injury cases is for the hurt person to make a claim for reimbursement against the negligent party’s insurance company. In some cases, the insurance adjuster assigned to the case will offer a settlement that is satisfactory, but more often than not the adjuster will not be reasonable in their offer. The job of the adjuster is to save the insurance company money, and paying out personal injury settlements does not help the adjuster reach this goal. The end result is that you may have to engage in back and forth negotiations to get to a result that fits the facts of your case, or you may have to file a lawsuit and take your matter up with the Court for decision.
Common reasons given by insurance companies for refusing to pay claims, or for offering less that what your claim is worth, include:
- The company claims their insured was not the cause of the accident. This leaves you with the task of proving your case and providing evidence that shows the other driver was at fault.
- The company claims you were already injured, and that the accident did not add to or cause any of the injuries you claim are the result of the wreck.
- The adjuster says your actions contributed to or caused the accident, and thus the insurance company is not responsible for payment.
- The insurance company for the negligent driver says that their doctor has found nothing wrong with you. This is why it is critical to seek a medical opinion from your own doctor as well as going to see any physician the insurance company requires you to see after the accident.
The bottom line is that the adjuster is looking out for the bottom line of the company. If you want to maximize recovery, your best option is to fully develop the facts of your case and clearly present them to the insurance company. We have experience investigating the facts of accidents, and putting them together in a light that is most favorable to you. We also look for instances where the insurance company has acted in bad faith when refusing to pay your claim, and can help you to hold the company accountable. Call us today for a review of your case.
If you have been in an accident for which you signed a waiver, call our office to learn your options. Let an experienced attorney help you figure what is best for you. Call a Bloomington, Minnesota personal injury attorney today.