If you’re in an auto collision and the other person involved in that car wreck does not have insurance your options are not completely exhausted. You have other options available to you.
Your own policy may have provisions included in it which will allow you to recover. An insurance contract is an agreement between you and an insurance company. You pay into it every month, or every six months or every year and you are expected to get something in exchange or in return for what you gave them.
They, on the other hand, will be responsible for providing you what has been promised. In this case, you will have various things in your policy that may be included such as Personal Injury Protection, Under-insured Motorist or Uninsured Motorist. These aspects protect you when you are in an auto accident. They will provide you money that can be advanced toward hospital expenses or towards other expenses that are associated with the collision.
One thing to keep in mind is that an insurance adjuster is an individual who works for the insurance company. They do not work for you. They represent an insurance company which is a business, and that business is set up to be as profitable as possible. When you are involved in a collision, that insurance adjuster is not looking at your best interests alone. They are looking at the interests of the insurance company.
Seeing an attorney is absolutely imperative when you’re in a collision because an attorney will be looking at your best interests and ensuring that every possible form of recovery is granted on your end. The best thing to do before making any kind of recorded statement or communicating with an insurance adjuster is to call an attorney. Call an attorney to get signed up to represent you so that insurance adjuster will have to go through that attorney who is equally or better matched against that insurance adjuster and their attorneys to represent your best interests.
Very often an insurance adjuster will try and take advantage of an individual’s uninformed position in an auto collision and offer a sum of money, which seems very tempting at the time. They’ll bring you a check, you’ll sign for it, you’ll have money in the bank.
However, what happens when you accept that check, well the insurance company has essentially washed their hands of any future medical expenses you may have, or complications associated with your claim or new and relevant information about your claim that may come up about the auto collision that will be more expensive for you. And in doing so, your business is concluded with that insurance company.
However, if you inform your attorney and ask them to represent you in your best interest they will ensure that all possibilities are explored and that you get the best possible situation for you, not the insurance company.
Stapleton & Barrera can help you with your insurance claim and assist you to get the best settlement possible. Give us a call.