5 Things the Insurance Company Doesn’t Want You to Know
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5 Things the Insurance Company Doesn’t Want You to Know
Purchasing an insurance policy is supposed to give you peace of mind if you sustain one or more injuries as a result of an accident or an incident that involves one or more acts of negligence. You pay for insurance coverage to take care of the costs associated with medical care, property damage, and lost wages—just to name the three most substantial expenses associated with a personal injury incident. Unfortunately, far too many insurance companies view policyholders as mere numbers that get churned out by heartless algorithms that deny valid claims. You might also have to deal with another party’s insurance company, which means you are less likely to receive compensation than you would from your own insurer.
In addition to following cold-calculated algorithms to determine payouts to policyholders, many insurance companies also leave policyholders in the dark when it comes to certain practices and procedures. When the time comes to interact with an insurance adjuster, you must be prepared to address a claim that requires you to understand the insurance claim filing process in its entirety. Even worse, unethical insurance adjusters bank on policyholders not knowing how to maximize the strength of an insurance claim. In other words, they do not want you to know things that can help you receive just compensation for the injuries sustained by a personal injury incident.
The most effective strategy used by policyholders to negate the games played by insurance companies involves hiring an experienced insurance attorney. By hiring an experienced insurance lawyer, you let the insurance company know that you are serious about recovering the financial losses generated by a personal injury incident such as a car accident, defective product, or slip and fall. Working with an insurance attorney ensures you gather and organize the physical evidence required to file the most persuasive claim. Getting legal representation also helps you closely monitor the progress of an insurance claim as it moves through an often overloaded processing system.
At Morgan and Morgan, our team of insurance lawyers helps our clients receive just compensation for filing valid insurance claims. Since 1988, our law firm has recovered more than $14 billion in monetary damages for clients that filed personal injury lawsuits. In addition to recovering financial losses by filing civil lawsuits, our insurance attorneys also help clients understand the five things insurance companies do not want policyholders to know.
Do not be left in the dark when filing a personal injury insurance claim by scheduling a free case evaluation with an insurance attorney from Morgan and Morgan.
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What Are the 5 Things an Insurance Company Doesn’t Want You to Know?
In a perfect world of personal injury law, an insurance company has your best interests in mind. The insurance adjuster reviewing your case focuses only on the hard data and physical evidence when making a decision as to whether to approve your claim. We do not live in a perfect world, and that is clearly evident after you read about the five things the insurance company doesn’t want you to know about filing a claim.
You Have a Limited Time to File a Claim
As with a civil lawsuit that seeks monetary damages, you must meet a deadline when filing a personal injury insurance claim. The main difference between a civil lawsuit and an insurance claim is filing a civil lawsuit gives you at least one year to take legal action. Most states have passed laws that provide insurance policyholders with a much shorter window to seek just compensation. To meet the deadline for filing a personal injury insurance claim, most states grant policyholders no more than 30 days to submit the proper paperwork and as few as 24 hours to notify a law enforcement agency about a personal injury incident such as a car accident or a case of negligent medical malpractice.
Hiring an insurance attorney from Morgan and Morgan ensures you meet every deadline associated with your case.
Take It or Leave It
Many insurance companies bank on policyholders accepting decisions after the filing of an insurance claim. Because of this assumption, unethical insurance adjusters either deny claims or approve claims valued well below what they are worth. You do not have to accept the decision made by the insurance company processing your claim. Your insurance attorney either can file an appeal or decide to negotiate a settlement that provides you with financial assistance to recover from all losses.
The negotiation process starts with your lawyer submitting an offer, possibly followed by a series of counteroffers until your claim gets resolved or you decide to move on to the appeal process.
Take Advantage of Discounts
Insurance companies closely monitor expenses to maximize profit margins. They do this by implementing several strategies, one of which involves not informing policyholders about discounts as rewards for certain types of behavior. For example, a car insurance policy might include an incentive to drive safely in the form of lower monthly premiums that reward policyholders for maintaining a safe driving record. Insurance discounts often can be found in the fine print written into a policy, which an experienced insurance attorney should be able to discover when reviewing your policy.
Hiring an Insurance Attorney Is Not Cost Prohibitive
Insurance companies prefer to deal with policyholders that do not retain legal representation when filing a claim. They have much more of an advantage in dealing with policyholders that are not aware of their rights and the legal obligations imposed by state and federal insurance statutes. One of the most effective ways to persuade policyholders to file a claim without the legal counsel of an experienced insurance attorney is to state hiring a lawyer is cost prohibitive. This is an outright lie, as most personal injury attorneys operate on a contingency fee basis, which means they accept a percentage of the monetary value awarded for an insurance claim.
In other words, you do not have to pay any upfront legal fees.
You Have Access to an Insurance Guide
Many insurance companies do not want their policyholders to know about the existence of an insurance guide published by the state where they live. State-published insurance guides contain helpful information, such as the limits placed on setting premiums and the mandatory costs covered by approved claims. You do not have to request a print copy of your state’s insurance guide, as your state most likely publishes the information online, as well as offers it via a toll-free consumer advocate phone number.
Your insurance attorney can help you gain access to the helpful insurance guide published by the state where you reside.
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What Steps Should I Take After a Car Accident?
Another thing your insurance company does not want you to know concerns the steps you should take after a motor vehicle collision. How you respond to an auto crash goes a long way toward determining the outcome of an insurance claim.
Call a Law Enforcement Agency
Unless you get involved in a minor fender bender, calling 911 should be the first item on your agency after a vehicle collision. A law enforcement agency fulfills two crucial purposes. First, responding police officers secure the scene of a car accident to prevent additional injuries. Second, the law enforcement agency that responds to a car accident is responsible for submitting a comprehensive incident report that includes physical evidence, as well as a conclusion that states whether one or more acts of negligence caused the crash.
Receive Medical Attention
Outside of minor fender benders, every car accident should result in all parties seeking medical care. Receiving a diagnosis and treatment creates a paper trail that demonstrates how much you paid in medical expenses. If you delay seeking medical care by as few as 24 hours after a car accident, the lawyer representing the other party might claim you did not sustain serious enough injuries to warrant visiting a healthcare provider. In addition, the insurance company processing your claim might decide to deny financial assistance based solely on you acting without a sense of urgency.
Contact Morgan and Morgan
You might find this step at different positions on the different lists of how to respond to an auto collision. However, where it lands on your list is not as important as making sure you contact an insurance attorney from Morgan and Morgan. Contacting one of the highly-rated lawyers at Morgan and Morgan helps you build a strong enough claim that results in the awarding of financial assistance. After reviewing the official law enforcement incident report, your insurance attorney might decide to collect more physical evidence to bolster your claim. For instance, requesting the footage shot by a traffic camera might show whether the other party involved in the car accident committed one or more acts of negligence.
File the Insurance Claim
Another compelling reason to work with an insurance attorney from Morgan and Morgan regards filing an insurance claim that is completely filled out with 100 percent accurate information. Just one open box or at least one box filled with incorrect information can lead to the denial of your insurance claim. Working with an insurance attorney also ensures you file your claim in a timely manner according to state law.
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Take Action Today
To avoid having an insurance company take advantage of what you do not know about the claim filing process, hiring an experienced insurance attorney keeps you informed about how to file the most persuasive claim. At Morgan and Morgan, our insurance lawyers specialize in representing clients to file the most convincing claims for compensation. More than 30 years of proven success helps you navigate the claim filing process without having to deal with an insurance adjuster who constantly tries to keep you in the dark.
You can expect to work with a responsive communicator who responds to emails, phone calls, and text messages as quickly as possible after receiving them. The attorney assigned to your case by Morgan and Morgan represents you during every step of the claim filing process. You cannot afford to hire a law firm that assigns an experienced insurance attorney to your case for a free case evaluation, only to have the lawyer disappear for the remainder of your case.
Learn more about the things an insurance company doesn’t want you to know by scheduling a free case evaluation today with an accomplished insurance attorney from Morgan and Morgan.