In a claim for a typical automobile accident where an injured person’s claim is against the at-fault driver’s insurance company, a person’s own insurance company can be helpful in assisting with the claim. A person’s own insurance company is often more responsive, informative, and honest; they have additional incentive to “be nice” because you are their paying customer.
However, there are two main situations where an injured person pursues a claim against their own insurance company. The first is where the at-fault driver was uninsured, and the second is where the policy limits of the at-fault driver’s insurance are insufficient to fully compensate the injured person.
In each of these situations, a person’s own insurance company essentially steps into the shoes of the at-fault driver’s insurance company. It is essential to understand that, where this occurs, your own insurance company no longer has your best interest in mind. Instead, their goal now matches that of the at-fault driver’s insurance company: to convince you to settle as quickly as possible for as little as possible.
Because your own insurance company becomes “the opponent” in these situations, the reasoning for hiring an attorney echoes the reasoning for other more typical claims. See Why Do I Need An Attorney? In short, one of the most important things an attorney provides is his experience. With experience comes knowledge. An experienced personal injury attorney, like the attorneys at Newton & Hall, Attorneys at Law, PLLC, will have the knowledge to determine who is at fault for an accident and why, what steps to take to maximize your recovery as well as what to avoid doing, which expenses are recoverable, and the overall value of a claim.
An experienced personal injury attorney knows exactly what to do, and how to do it, to ensure an injured person receives a fair and reasonable settlement.