UM vs. UIM Insurance
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Uninsured Motorist Protection and Underinsured Motorist Protection are part o...
Statutes of Limitations
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Confusing statutes of limitations mean you need expert legal advice to avoid ...
How Do Insurance Companies Work?
01:31
We work to make certain the insurance company in your case settles your claim.
It’s important as you jump into the civil litigation process that you understand how insurance companies work. You need to understand that each insurance company is like a person. They have their own personality. Some are easier to get along with. Some are horrible to get along with. You need an experienced trial lawyer, personal injury lawyer who understands the personalities of each of these companies. The insurance companies can only pay claims if in fact the file is worked up, if in fact there’s enough paper in the file to justify them paying a claim. You need to understand that claims adjusters get audited just like anybody else. They have to be able to defend their decisions. So how do we do that? It’s my job to help you present your case to an insurance adjuster that not only will they not pay your claim, they will want to pay your claim. They will not want to delay your claim, minimize your claim, and fool around with you. We get to the point where they will actually pay the claim. How do we do that? We do that by having you seek appropriate medical care. We do that by putting together a packet of materials involving medical bills, lost wages, how this has affected you from a general damage standpoint, how it’s affected your everyday life. That takes weeks and months to prepare, but at the end we will present them a packet to each of these insurance companies and they will want to settle your claim rather than want to fight you over your claim.
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