4 Reasons To Hire A Lawyer For An Insurance Claim
After you get in an auto accident, you will most likely have to deal with an insurance company to get compensation for the damage to your vehicle and for any related medical bills. If you suffer a workplace injury or if you get injured on someone else’s property because of their negligence, there’s a good chance you’ll have to deal with an insurer then, too. Unfortunately, dealing with insurers is very rarely a straightforward process. Because of this, there are several reasons why you might want to consult with or hire a personal injury lawyer.
Insurers Are For-Profit Businesses
Insurance companies promise to give their policy holders a payout if something happens that their policy covers. In exchange, the policy holder regularly pays a premium to maintain the policy. However, insurance companies are run for profit and not to benefit the policy holders, which means every payout they make comes out of the insurer’s profits. That gives insurers a strong incentive to find every instance of fraud and come up with as many ways as they can to keep valid payouts low.
Sometimes these tactics can be very underhanded, like demanding extra documents as evidence, “losing” the documents you send them, and waiting for as long as legally possible before paying out a valid claim. Insurers also hire expert investigators and negotiators to examine large claims and find every legal loophole they can to bring the amount down. By bringing on a personal injury lawyer, you’ll have a professional on your side, too.
Lawyers Can Guide Your Actions
Because insurers are often on the lookout for loopholes and other ways to reduce a claim, it’s easy for a claimant on their own to make a mistake that can cost them a significant amount of money. A personal injury lawyer knows the law and knows what loopholes the insurers are looking for, and so they can help you close the holes by collecting the right documents and evidence and avoiding pitfalls like admitting an accident is your fault before you know the truth of the matter.
Lawyers Can Negotiate
In the modern American economy, the vast majority of purchases you make will have set prices with no room for negotiation. You may shop around for the best price, but you probably don’t have much experience arguing prices with a cashier. That can be a problem when you’re trying to get the best claim possible from a claims adjuster, who will have professional experience with negotiating. Experienced personal injury lawyers also have experience with negotiating, and so they can help you level the playing field.
Lawyers Can Bring Your Case To Court
If an insurer continues to refuse to pay you the full amount of your claim, either because they say it goes against the policy or because they claim you’re attempting to commit fraud, a lawyer can bring your claim to the next step by filing a lawsuit against the insurer and any other responsible party. A lawyer can even bring your case to trial in front of a jury, although not every law firm has the resources it takes to stick with a case over the long haul. That’s why you should also be careful about which firm you choose to represent you.
In southwest Florida, there’s a personal injury law firm you can count on called Goldman, Babboni, Fernandez, and Walsh. Our lawyers have decades of combined experience working with Florida law and insurance companies, and we know exactly what you need to do to get the compensation you deserve. So if you need help with a legal matter because of a personal injury or property damage, contact our law firm today for a free initial case review.