Things Insurance Companies Don’t Want You to Know After a Car Accident
There is a good news/bad news story about auto insurance in Alabama. For one thing, the average insurance cost in our state is almost five percent less than the national average.
On the other hand, when you deal with an insurance company, they will be sure to pressure you to take as little compensation as they can get away with. That’s where we come in.
J. Allan Brown, Attorney at Law, has seen all of the tricks of the insurance trade. They make more when you settle for less. There is a reason they are among the most profitable businesses on the planet.
Having an experienced car accident attorney by your side will help protect your rights to compensation so you receive the maximum you are entitled.
An Adversarial Relationship
Despite the warm and fuzzy advertisements showing an insurance professional making your car accident claim right, the reality is another thing. Once you are involved in an auto accident, the insurance company and adjuster are not your friend or advocate.
This is an adversarial relationship. Mr. Brown suggests you never discuss your claim at the accident scene or at any time with an insurance representative or adjuster. That friendly person is not your good neighbor.
Their goal is to save their company money. Period. It’s not personal, even though the adjuster may assure you he can offer you the same money you would get with an attorney. Again, he is not your friend and his company’s interests come first.
When you are represented, you will find that you do not have to accept the insurer’s first offer. You need not feel pressured even though you may be told there is a limited period to act. In fact, that is never a good idea.
The adjuster is less likely to negotiate with you if you are not represented. They know your representative has been down this road before and understands that the first offer is never a good one.
Before you agree to any settlement, make sure that all of the medical information is collected. That may not be the case at the time of the first offer. Medical injuries are sometimes difficult to diagnose, and with time, the extent of your medical injuries may become evident.
Once we know what your medical future holds regarding treatment, therapy, and the ability to return to work in the same capacity as before, we can only begin to negotiate a fair amount of compensation.
Your Doctor’s Exam
You must undergo a medical exam to determine the extent of your injuries. The insurance provider will require that before they pay out any claim. You don’t have any choice in the doctor, but you can choose if you want to seek a second exam by your own doctor.
Those results can then be used to determine your actual medical condition, your chances for recovery, the cost of medical care and ongoing therapy, and the amount of time you will be out of work. In addition, pain and suffering should be considered as part of your physical injuries that deserve to be compensated.
If the insurer focuses on your medical injuries, do not forget that you also have actual property loss. The cost of car repair or replacement and the need for substitute transportation in the meantime should all be added to your damages and, therefore, should be compensated by the at-fault party.
Your Alabama Car Accident Attorney
This is some of the information that insurance companies will never share with you. They also don’t want you to know that you likely will receive more compensation when you have an attorney represent your interests.
Attorney at Law, J. Allan Brown, has represented countless individuals harmed by the negligence of others. With him by your side, the playing field is leveled when negotiating with the insurance company.
He has years of experience representing clients when they are the most vulnerable, and with his valuable knowledge of the tactics used by big insurance, you have a fighting chance to get the full and fair compensation you deserve.
Call Mr. Brown at Contact our Mobile office at (251) 473-6691 to schedule a free, no-obligation consultation.