Insurance company adjusters often tell injured people that they don't
need a lawyer. To understand why, you have to look a little deeper into
the process. If you have been seriously injured, the settlement arranged
will need to cover all damages, including actual financial damages, such
as the cost of medical care, any rehabilitation, refitting of a home if
necessary, lost income from work, both now and estimated for the future,
and similar damages. You also have the right to other damages that are
not financial, such as pain and suffering, loss of quality of life and
others, based upon what happened to you.
Insurance companies are commercial enterprises, answering to Boards of
Directors and stockholders, and if you are the victim, the company does
not represent you, but the liable party. It could not be more important
that you are protected by a
personal injury attorney in any serious injury case, as if you are not, it is impossible for you
to know what your case is actually worth.
This lack of information could lead you to accepting a settlement offer
that is inadequate, unfair and possible half or less than you could recover
with the help of a skilled personal injury lawyer. The process of recovering
compensation can be lengthy, as there is a great deal of back-and-forth
negotiations to come to a final number. It is critical that you have a
professional managing these negotiations.
If you are told that you don't need a lawyer, be aware that the insurance
company absolutely would like to pay you less than you deserve. Any person
that has tried to arrange a settlement themselves has likely experienced
the extreme frustration and confusion involved in dealing with these companies.
You could be shifted from one adjuster to another, each telling you different
information, with long waits, and slow service. In the end, many people
who don't have legal representation finally just sign off on a settlement
out of pure frustration, and in desperation.
Don't take chances if you were seriously injured. You absolutely must
contact a personal injury attorney so that you are not victimized by the
process of negotiating a claim. If you have been discussing your case
with an insurance company, and you have been offered a settlement, the
least you should do is contact an attorney to make sure you are being
treated fairly. You really do need an attorney, as you are likely to recover
far more than you would on your own.
Preston & Salango, PLLC in Charleston to discuss your injury case.