When you’ve been injured in a car accident, you don’t always know where to turn for competent legal advice. The insurance claims process is unfamiliar to most everyday citizens. Injury insurance claims for compensation are notoriously complex and vague.
The process is designed that way by large insurance companies. Lawyers draft car insurance policies to be impossible for us to understand. Other lawyers even have a difficult time decoding the language in an insurance contract. This works to the advantage of the automobile insurance companies because they get the benefit of interpreting their insurance agreement several different ways, depending on the nature of the specific claim. This, of course, does not work out to your benefit.
Negotiating with the Insurance Adjuster
Negotiating with an insurance claims adjuster for compensation after a car accident in Fort Smith or Little Rock Arkansas is often a time consuming and fruitless endeavor. Think about it. Claims adjusters are not threatened with anything if you don’t have a car accident lawyer on your case.
Without representation, there is no threat of a lawsuit, an excess verdict, or compelling case for them paying more money on your claim. So the car insurance adjuster is going to play the usual games with you. Requesting that you provide a recorded statement, sign authorizations permitting the claims adjuster to obtain all of your medical records, signing overbroad and unfair settlement release documents, and not getting the right medical treatment.
Adjusters will tell you that your medical treatment was excessive and therefore they are not going to compensate you for this “unrelated” or “excessive” medical treatment. Don’t be a victim of these insurance games!
Financial Consequences of Car Accidents
So what are you entitled to for compensation or for a personal injury claim settlement after a motor vehicle crash? First, you are entitled to the economic losses. These are the losses that have the dollar signs in front of a specific expense brought about by the collision. Examples are your past and future medical expenses, lost wages, prescription medication costs, co-pays, deductibles, fuel expense for trips to your doctors, and other direct financial harms caused by the other person’s negligence.
You are also entitled to compensation for non-economic, or “general” damages. These are the harms that do not have the dollar signs. Examples include pain and suffering, emotional trauma, loss of quality of life, marital strain, loss of mobility, etc. These damages can be particularly difficult for a jury to put a number on. With the help of an experienced Fort Smith car accident lawyer, your attorney will explain these general damages in terms that we call can understand. After all, medical records are typically bland and don’t paint the full story of how you have been negatively affected.
Contact an Arkansas injury attorney as soon as possible after an accident, even if it is just to obtain a free consultation to determine what your legal options are. Consultations at Schultz & Myers Personal Injury Lawyers are free of charge and will answer all of your questions about the injury insurance claims process.