You were stopped at a red light, when suddenly you were struck from behind by a distracted driver. Or, perhaps, you were proceeding through an intersection, and a driver from an oncoming lane tried to make a left hand turn that they failed to judge properly, and your vehicle struck theirs or you were t-boned. Or maybe weather caused another vehicle to lose control and hit yours. Regardless of how it occurred, once you have been involved in an accident, you (the faithful insured) will begin the process of reporting the claim, whether that be for property damage or personal injury protection benefits, (if necessary) to your insurance company.
If you are injured in an accident like the one described above, the insurance company for the other driver might attempt to settle your claim for your injuries with you. Perhaps, if the driver that hit you didn’t have enough insurance, your own insurer will attempt to settle with you as well. In the event that the insurance companies offer you anything (many times they will not, claiming that Personal Injury Protection should be enough to cover your treatment for your injuries) the claims adjuster assigned to your case will offer an explanation for the offer that is being made to you. The reality of the situation, however, is that this offer is based on the insurance company’s view of your injuries and isn’t necessarily grounded in fact.
In actuality, especially if these settlement discussions take place soon after the accident, the amount of medical treatment your injuries will necessitate is completely unknown. Your pain might not respond to chiropractic or orthopedic treatments and you might require more aggressive pain management, or possibly eventually surgery, to treat your pain and symptoms. Unless you, the claimant and loyal insured, work in a medical field, you are unlikely to know what kinds of treatment your injuries will require, and you certainly won’t know for certain how long it will take for your symptoms to subside.
In an instance such as this, where you are injured in a motor vehicle accident, it is important that you or the person negotiating on your behalf understand all of the aspects being considered by the insurance company to devalue your claim. The insurance company may not consider the person who hit you to be entirely at fault for the accident, or they might think that your injuries are related to a previous accident or pre-existing pathology that your diagnostic studies revealed, or perhaps they do not accept that this particular accident was capable of causing your specific injuries. Whatever the justification for the insurance company’s offer, without an advocate on your side to combat the adjuster’s misgivings, you are likely to receive small nominal offers that will never make you whole again after an accident. And that is the entire purpose of filing an injury claim with an insurer after an automobile accident, making you, the victim, whole again.
If you, or someone you know, have been injured in an automobile, motorcycle, or trucking accident, you should consult with a law firm with experience handling automobile accident personal injury claims to ensure that you, the victim, receive the maximum compensation for your injuries, pain and suffering, or future loss of income. The Dolman Law Group serves personal injury clients all over the state of Florida from their conveniently located Clearwater office. Call for a case evaluation today at 727-451-6900, and rest assured that our team is ready and willing to take the case as far as necessary to reach an appropriate resolution for your case.
Dolman Law Group
800 North Belcher Road
Clearwater, FL 33765