Busting Common Myths About Personal Injury Claims
At , Goldman, Babboni, Fernandez, and Walsh, we have over a century of combined personal injury law experience in the Southern Florida region. In our time, we have come to find that there are a lot of myths surrounding personal injury claims. These myths can often be harmful and lead accident victims vulnerable to the exploitation of insurance companies. In order to help keep make informed decisions after an accident, we have put together a list of the four most common myths about personal injury claims and let you know the real story.
Myth #1: “My Accident Wasn’t That Bad, I Don’t Need An Attorney”
This is probably the most common myth we’ve seen over the years. People think because their accident was minor, the insurance companies will pay a fair settlement and they can just move on. Sadly, more often than not, this is not the case. First of all, there are some accident injuries that take weeks, months, and even years, to show the full extent of damage such as traumatic brain injuries and whiplash. This myth often leads people to settle for less than what their injury will actually cost. Secondly, insurance companies will downplay your injuries to get out of paying entirely. So if you tell them they “aren’t that bad” or they are minor, they may use that to not pay at all. No matter the details, it’s always a good idea to speak to an attorney.
Myth #2: “Attorneys Are Too Expensive, I Can’t Afford To Pay Them”
First of all, it’s important to know that a reputable personal injury attorney will also offer a review case review. We only take cases that we believe require the support of an attorney. So the initial conversation costs you nothing. Secondly, the fee schedule for legal support is more affordable than you probably think. Personal injury attorneys are not corporate attorneys who charges thousands per hour of service. We work with our clients to stay affordable. Finally, it often costs more to miss out on the full value of your settlement, or worse, not receive a settlement at all, than it does to hire an attorney.
Myth #3: “I Have Good Insurance And Pay My Premiums On Time, They’ll Take Care Of Me”
Sure, if you pay for more coverage with your insurance, you’re more likely to receive a fair settlement. However, the insurance you buy is mainly designed to protect you when you make a mistake. When an accident isn’t your fault, you’ll be working with someone else’s insurance to get a settlement. In a lot of cases, they may not have enough coverage, haven’t been as diligent about paying their premiums, or work with a reputable insurance company. This can leave you holding the bag for your expenses. Furthermore, no matter how good of a customer you are, insurance companies only care about one thing: Making money. So they will do everything they can to get out of paying the full value on a claim.
Myth #4: “The Person Who Hits Me Seems Like A Good Person, I Don’t Want To Sue Them”
It’s true that good people make mistakes and yes, it would feel wrong to sue them. However, keep in mind in the vast majority of personal injury cases, you aren’t suing the person. You are making a claim against their insurance company. They pay for their insurance to keep them protected when they’ve made a mistake. So what you are actually doing is making sure that the money they have spent on insurance actually pays for what they intended. Personal injury law is to designed to protect victims, not punish people for mistakes.
These are just some of the myths surrounding personal injury claims. If you ever have any questions, concerns, or doubts about personal injury law, give us a call. We’ll be happy to explain the process in more detail to make you feel more confident about pursuing your claim with an attorney’s help.