Are insurance companies really on your side?

Posted by on Nov 12, 2018 in Car accidents | 0 comments

I see commercials from insurance companies all the time while I’m watching TV. Insurance companies always claim that they’re “on your side” and here to help, but they exist for the same reason as any other private company: to make money. Of course, insurance should help when we get into a car accident or have to go to the hospital unexpectedly. However, I just found out that they go to great lengths to not pay out settlements. I found this website for The Law Offices of William J. Luse, and realized that there are attorneys out there who will help injured victims fight back against insurance companies that are unwilling to pay for fair claims.

First of all, insurance companies will look through your social media pages to see if you’ve posted anything that would give them cause to deny your claim. They’ll also try to give you the run around so that you go through another driver’s insurance company to have your claim paid. This one really angers me, sometimes insurance companies will hire private investigators to secretly videotape people and get information that undermines their claim. If all of this doesn’t work, they might try to discourage you from hiring a lawyer.

If you end up not getting a lawyer, statistics show that you will end up settling for up to three times less than you would with a lawyer. In court, insurance companies will bring in expert testimonies to undermine the extent of your damage and injuries. All of this makes me so upset. Insurance companies are great at marketing themselves as friendly, helpful companies but when they go to this much trouble in order to not pay a claim, it shows a much more menacing side of the insurance industry. I understand that some people may try to take advantage of insurance companies after an injury, but some people really do need insurance claims. When insurance companies deny people who need the money, it could cause them to be in debt for several years to come.

An aunt of mine had to go through insurance companies to have her medical bills paid for after a car accident. The insurance company tried to get her to file a claim through a third driver’s insurance, and this made the process much more complicated and stressful for her. She had several thousand dollars in medical expenses. While she was trying to rest and recover, she had to worry about if insurance would accept her claims at all. I hated to see her so stressed out while she should have been able to relax after an already traumatic experience. If an insurance company tries to give me or my family the run around again, I am going to tell them that I’ll be speaking with a lawyer immediately. I don’t want to go through the process of hiring a lawyer and potentially going to court over a settlement if I don’t have to, so hopefully just bringing up a lawyer will motivate insurance to accept the claim.

 

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Car accidents

Posted by on Jun 23, 2016 in Car accidents, Personal Injury | 0 comments

Car accidents are an unfortunate but all-too-common predicament many find themselves a part of at some point in their lifetime. With the onslaught of new technology being crammed into our vehicles, the driving experience is being significantly altered by all the conveniences and impediments modern tech provides.
Cell phone use in particular has emerged as a major contributor to car accidents, contributing to over one-quarter of all motor vehicle crashes according to a report from the National Safety Council. While we’re navigating all of the pitfalls of emerging technology, we still have to deal with distracted driving mainstays like drunk driving, which kills 28 people a day in the US according to the Centers for Disease Control and Prevention. All this contributes to a car crash rate that has been steadily on the rise, with the US seeing a 14% rise in fatal accidents in 2015.
While many car accidents result in nothing more than car damage or some minor bruises, there are many more that have long-term negative consequences for their victims, including significant injury, exorbitant hospital bills, or even death. These issues are difficult enough to deal with on their own, but according to the law firm Ravid & Associates, these often lead to tricky-to-navigate insurance issues.
Even if there was no permanent or disabling injury inflicted in the accident, according to McCutchen & Sexton – The Law Firm, there are still medical expenses, pain and suffering, and lost wages to consider. Regardless of whether the accident was caused by distracted driving, speeding, or malfunctioning vehicles, legal action can still be taken, according to the Sampson Law Firm. In this time of elevated car accident risk, legal help can help get victims the restitution they need to carry on with their lives as normal.

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