Car insurance is a billion-dollar industry. No matter what they might say in commercials about being on your side, insurance companies are in the business of making profits. How do they do that? It’s simple. By collecting premiums from their customers and denying as many claims as they can. To them, it’s simply business. To an accident victim, it’s much more.
In a personal injury case, there are basically three players: the victim, the defendant (the person who injured the victim), and the insurance company representing the defendant. We’ve found that most people who injure someone in a car wreck want to do the right thing. After all, that’s what they have insurance for. Unfortunately, the defendant’s hands are pretty much tied after the accident. They couldn’t help the victim even if they wanted to. It’s up to their insurance company now, and in our experience, doing the right thing isn’t always on their radar.
Adding a fourth player into the game often helps: a lawyer. Without a lawyer, most accident victims settle too quickly for less money than they deserve. That money may be a welcome relief temporarily, but it more than likely won’t cover all the future medical expenses and lost wages resulting from their injuries.
Studies show that with a lawyer, accident victims get more money from the insurance company. In addition, a lawyer can stand between you and the insurance company, allowing you to concentrate on what matters most: getting better.