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Been In An Accident? Insurance Companies Don’t Want You To Hire A Lawyer

By William Bill Hurst

If you’ve been hurt in an accident where sInsurance Companies Don't Want You To Hire A Lawyeromeone is at fault, his/her insurance company does not want you to hire a personal injury lawyer.  It is because the insurance adjuster knows he/she will have to pay larger “fairer” insurance settlement amounts to resolve the personal injury accident case.  The Insurance Research Council found that insurance settlements were 4.8 times higher for injured victims in accidents when represented by personal injury lawyers.  (Insurance Research Council 1999 study) www.ircweb.org/ and after payment of attorney fees the injured person receives 3.28 times more than the person who does not have a lawyer.

The Insurance Research Council found that insurance injury claims arising out of accidents where the plaintiffs were represented by attorneys represented only 40% off all claimants, yet they received 79% of all money paid out for liability insurance settlements.  These statistics show that having a personal injury attorney on your side when you’ve been injured in an accident greatly increases your chance of receiving fair compensation for your injury [Interestingly the Insurance Research Council is funded by insurance companies www.alcpcu.org/irc/.

For an interesting investigatory CNN article which chronicles the strategies that the insurance companies use to minimize their payments for injury cases, see “insurance companies fight paying claims” (Anderson Cooper 360 blog) at www.CNN.com.  An investigation by CNN revealed that 10 out of the top 12 auto insurance companies are putting injured claimants in a financial bind forcing them to settle for sums of money which are not fair.  The example given by CNN was of a case where a woman was in a minor auto accident which was not her fault.  Her medical bills and loss wages totaled $25,000 and Allstate who insured the wrongdoer offered $15,000.  This person could try to find a personal injury lawyer, but was worried about whether she could find an injury lawyer who was willing to take on her case and what she receive after cost of expenses of hiring an attorney.  This was the  final mindset that Allstate and a number of other major carriers in America are currently pursuing to create an environment to minimized their payments to settle injury claims.

Insurance Companies Don't Want You To Hire A LawyerIf you are in a minor impact/crash, get hurt and do not have a very substantial injury or claim it is likely that the insurance carrier will do the same thing to you.  The insurance company will delay handling your claim, deny you were hurt to the extent that you actually are, and defend their decision in a drawn out court battle.  It is what they call their 3 D’s; Delay, Deny and Defend.” With no where for the injured victim to go, Allstate and other insurance carriers “bet you’ll take what they offer and walk away”.  Apparently this is the procedure set forth in the insurance companies training manuals, which CNN obtained.  They call them “smaller walk away settlements”.  Insurance carriers are betting you won’t wait, you won’t sue and you’ll take what you can get and “walk away.”  Apparently accident victims have been “walking away” from billions of dollars that the insurance companies now keep for themselves.  Unless you are willing to forgo being treated fairly, you must hire a personal injury lawyer who is experienced and knowledgeable about these insurance tactics.  If you have been injured in an accident and are having problems with he insurance company claims adjuster, contact William W. Hurst, a lawyer experienced in dealing with insurance companies for a free consultation and case evaluation.

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It cost $0 up front to hire our office. We work on a contingency fee basis, which means you only pay us if we settle your case or obtain a verdict on your behalf.

If we’re unable to obtain a settlement of verdict for you we eat the costs we’ve advanced to litigate your case, which includes costs for ordering medical records, filing your case, hiring experts, deposing witnesses, and many other things.

If we do settle your case or obtain a verdict for you our standard rate is 33% of the settlement or verdict, plus reimbursement for the expense we’ve previously advanced. Our fee never increases like some personal injury attorneys, even if we have to take your case to trial.

Our Fees

It cost $0 up front to hire our office. We work on a contingency fee basis, which means you only pay us if we settle your case or obtain a verdict on your behalf.

If we’re unable to obtain a settlement of verdict for you we eat the costs we’ve advanced to litigate your case, which includes costs for ordering medical records, filing your case, hiring experts, deposing witnesses, and many other things.

If we do settle your case or obtain a verdict for you our standard rate is 33% of the settlement or verdict, plus reimbursement for the expense we’ve previously advanced. Our fee never increases like some personal injury attorneys, even if we have to take your case to trial.

Case Worth

As a victim, establishing damages, negotiating with the insurance company, or filing a lawsuit can be daunting and next to impossible without the assistance of an experienced lawyer. As a result, if you have been hurt in an accident, it is important that you contact an attorney as soon as possible to help you recover the compensation to which you are entitled under Indiana law.

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Choosing an attorney that has experience dealing with personal injury law is important to protect your legal rights. If you are trying to recover damages from a business or other type of organization, you can bet that they are going to have a legal team on their side.

Medical Bills

If you were injured by an accident you may be struggling to determine who is responsible for paying your medical bills and holding them accountable. Speak to an experienced personal injury lawyer at The Law Office of William W. Hurst and learn if we may be able to help.

Recovery

After you have been injured, you are entitled to compensation. The type and amount of compensation depends on the injury, bills, the cause of the injury, negligence/bad faith of the defendant, etc. The attorney you retain can also heavy influence your recovery through knowledge, experience, and dedication. Legal terms and phrases can be confusing even after you retain an attorney. If you have been injured, you may wonder how much your case is worth or what your “damages” are. The worse the injuries, the higher the value of the case and the greater need for an experienced attorney