The truth is that before an insurance company denies your claim, especially knowing that there is a possibility that the claim is valid, they will want to size you up first. Specifically, they will want to see whether you have an attorney, how familiar you are with your rights, and how desperate you are for compensation.
Of course, they will not ask you these questions directly but will still find a way to uncover the details they need from you. For example, during the initial phone call with the claims adjuster, they might want to find out where you live. This sounds like an innocent question, but if you have dealt with insurance companies before, especially concerning insurance claims, you probably know that every piece of information you provide is subject to further scrutiny.
Insurance providers do this hoping to find any reason to deny your claim. And if they cannot deny what appears to be a valid claim, they will still look for ways to undervalue it, limiting the amount you may recover as compensation.
Back to the question about your residence, the insurance claims adjuster can tell your median income just by knowing where you live. This simple information could be used to predict the settlement offer that might seem "reasonable" to you. For example, if you earn $30,000 a year, a settlement amount of $100,000 might seem quite a lot. That is more than three times your yearly salary. But what if we told you that your case could be up to 20 times more than the initial offer?
That is what Morgan and Morgan attorneys do best. When you contact us for a free case evaluation, we will review the specifics of your case, analyze the available evidence, and take the necessary steps to strengthen the case. Then, we will determine the most reasonable settlement for your case. This is only possible after evaluating all factors relating to the case, particularly your injuries and damages.
In some cases, more than one party might be responsible for your injuries. But, of course, you do not expect the insurance company to tell you this unless this information helps lift the burden of compensation off their shoulders. On the contrary, at Morgan and Morgan, we always put our client's interests first in everything we do.