Carolina Accident Lawyers

Claim Adjuster Ploys

Claim Adjuster Ploys

Charlotte, NC Personal Injury Lawyer

Some insurance claims adjusters like to use less-than-ethical ploys to try to make the process of pursing a personal injury claim frustrating and painful for you. A Charlotte personal injury attorney can help you deal with these problems.

Reservation of rights

The adjuster can delay making a settlement offer due to unresolved questions surrounding insurance coverage. An indication of this would be that either the insurer or adjuster sends its policyholder a “reservation of rights” letter in the mail. A “reservation of rights” letter is a notice indicating that the policy may not offset particular losses and the company is maintaining the right to deny coverage at a later point in time. If the adjuster sends a “reservation of rights” letter to the policyholder, you should anticipate the adjuster to be hesitant to take part in settlement dialogue.

Lesson: Your accident attorney must stay diligent in ensuring that the adjuster declares whether the loss is covered or not.

Ostrich method

This refers to the technique in which the adjuster plainly neglects your accident attorney by not returning calls, letters, or faxes. Reasons for this could involve a large caseload that the adjuster is attempting to get through. Otherwise, it could very well be a deliberate effort to stall. One claims adjuster is known to have said, “I never call anyone back until they’ve left three messages.” Certain adjusters metaphorically stick their head in the sand, in a manner analogous to an ostrich, due to the injury attorney of the claimant making them feel uneasy or wanting answers or decisions about the claim value which adjusters are not ready to make.

Cannot locate claim file

This is when the adjuster avoids the counsel’s effort to deliberate over valuation by reporting that the claim file cannot be accessed or located. In a large number of claim operations, the files of the adjuster are not kept at the adjuster’s desk. It will likely be the case that they will be filed in a central area that only a select few will have access to. Your Charlotte auto accident attorney who is seeking a claim will probably not know whether this is in fact the case or if the adjuster is just stalling with the excuse that the file cannot be found. In large claim offices dealing with mass amounts of files, it is common for files to be misplaced, misfiled and sometimes even lost.

Contact the Personal Injury Law Firm of Bice Law

The personal injury firm of Bice Law will examine your case to determine the type and amount of damages that your injury warrants, including payments for medical expenses, lost income, pain and suffering, and any permanent disability.  We’ll determine whether an out-of-court settlement or trial is the best strategy to obtain maximum benefits for you or your family. If you have suffered injury or harm because of someone else’s actions, take the first step to protect your legal rights – contact the personal injury firm of Bice Law serving both North and South Carolina. You only have a limited time after your injury to file a claim, so act quickly.  Call (855) 5-BICE-LAW today or submit an online request  to get a free consultation with a  personal injury attorneyWe serve families across both North Carolina and South Carolina.  Results are how we measure success – we’ve built a strong reputation both in and out of the courtroom, and we’ll put our experience and expertise to work on your behalf.

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If the Defendant Lies about Your Case

Unfortunately, minimizing, and even outright lying are common in personal injury cases. Without a personal injury attorney in your corner, you may be at a disadvantage in trying to counter misstatements about the incident.

Motivation for Lying

The defendant has motive for lying, and his insurer has motive to accept his lies as fact. After all, the defendant doesn’t want his rates to rise, or worse—to lose coverage altogether. The insurer doesn’t want to have to pay out on a settlement. This is not to suggest that insurers will knowingly work in collusion with their clients to offer false information to the court, although some may indeed do so.

What your Charlotte Personal Injury Attorney Will Do

Any experienced personal injury lawyer has had to deal with defendants who were less than truthful. Your lawyer will interview and take testimony from witnesses who can attest to the veracity of your version of events. He may also re-visit the accident scene to study the logistics of both your story and the defendant’s trumped-up one. Often simply by considering step-by-step the feasibility of the defendant’s version of events its unlikelihood emerges.

The truth usually comes out, and a case settled one way or the other. If a settlement cannot be accomplished because defense attorneys are digging in their heels, it will be necessary for your personal injury attorney to take the case to trial.

Contact the Personal Injury Law Firm of Bice Law

The personal injury firm of Bice Law will examine your case to determine the type and amount of damages that your injury warrants, including payments for medical expenses, lost income, pain and suffering, and any permanent disability.  We’ll determine whether an out-of-court settlement or trial is the best strategy to obtain maximum benefits for you or your family. If you have suffered injury or harm because of someone else’s actions, take the first step to protect your legal rights – contact the personal injury firm of Bice Law serving both North and South Carolina. You only have a limited time after your injury to file a claim, so act quickly.  Call (855) 5-BICE-LAW today or submit an online request  to get a free consultation with a  personal injury attorneyWe serve families across both North Carolina and South Carolina.  Results are how we measure success – we’ve built a strong reputation both in and out of the courtroom, and we’ll put our experience and expertise to work on your behalf.

 

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Indicators of an Improper Claim Denial

Charlotte NC Personal Injury Lawyer

The insurance company does not want to pay out on your personal injury claim if it can avoid doing so. While most insurers at least work within the limits of the law, occasionally they deny claims in ways that, upon analysis, prove to be improper. Your Charlotte personal injury lawyer knows how to deal with such a denial, but the following should give you an idea of the sorts of tactics insurers may employ.

Indicators of an Improper Denial Letter

You and your Charlotte personal injury lawyer should beware of any of the following in the letter of denial:

  • The insurance company denies your claim, but fails to specify the provision of the policy which justifies denial.
  • The insurer does not provide copies of the defendant’s policy.
  • The insurer justifies its denial with policy language that either is not there or is irrelevant to your case.
  • The insurer does not indicate a specific reason for denial. This suggests that they simply are denying your claim without conducting an investigation.
  • Along with denying your claim, the insurer asks for more information about your case. This is an indicator that they want information to use against their client, the policyholder.
  • The insurance company never meets with their client.
  • The insurer cancels the defendant’s coverage at the same time it denies your claim.

Contact the Personal Injury Law Firm of Bice Law

The personal injury firm of Bice Law will examine your case to determine the type and amount of damages that your injury warrants, including payments for medical expenses, lost income, pain and suffering, and any permanent disability.  We’ll determine whether an out-of-court settlement or trial is the best strategy to obtain maximum benefits for you or your family. If you have suffered injury or harm because of someone else’s actions, take the first step to protect your legal rights – contact the personal injury firm of Bice Law serving both North and South Carolina. You only have a limited time after your injury to file a claim, so act quickly.  Call (855) 5-BICE-LAW today or submit an online request  to get a free consultation with a  personal injury attorneyWe serve families across both North Carolina and South Carolina.  Results are how we measure success – we’ve built a strong reputation both in and out of the courtroom, and we’ll put our experience and expertise to work on your behalf.

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When Your Charlotte Personal Injury Lawyer Takes Your Personal Injury Case

Charlotte NC Personal Injury Lawyer

Once your Charlotte personal injury lawyer meets with you and accepts your case, he will need to gather information and investigate the details of the accident. You can expect that he will call upon you to assist with matters from time to time as necessary. Your main job at this point, though, is to do all you can to heal.

Information Gathering and Investigation

Your injury lawyer will need to get copies of the following:

  •  The police report
  • The medical report from the doctor/medical center where you were initially treated
  • All subsequent medical reports
  • Your medical history
  • Medical bills

Your lawyer will also need to interview and take statements from witnesses and visit the scene of your accident. He may hire a private investigator for this. In addition, he will need to review appropriate case and statutory law.

Contacting the Insurance Company

Assuming that the defendant has an insurance company, your lawyer will initiate contact and determine how much coverage exists as a source for obtaining a settlement. This contact also serves to let the insurance company know that you are now being represented by a lawyer.

Contact the Personal Injury Law Firm of Bice Law

The personal injury firm of Bice Law will examine your case to determine the type and amount of damages that your injury warrants, including payments for medical expenses, lost income, pain and suffering, and any permanent disability.  We’ll determine whether an out-of-court settlement or trial is the best strategy to obtain maximum benefits for you or your family. If you have suffered injury or harm because of someone else’s actions, take the first step to protect your legal rights – contact the personal injury firm of Bice Law serving both North and South Carolina. You only have a limited time after your injury to file a claim, so act quickly.  Call (855) 5-BICE-LAW today or submit an online request  to get a free consultation with a  personal injury attorneyWe serve families across both North and South Carolina.  Results are how we measure success – we’ve built a strong reputation both in and out of the courtroom, and we’ll put our experience and expertise to work on your behalf.

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Personal Injury Issues: Paralysis and a Loss of Senses

Charlotte NC Personal Injury Lawyer

Depending on the type of accident experienced, some individuals might sustain injuries that are far greater than simple cuts and abrasions.  In fact, some may experience more severe injuries, such as a loss of their senses and even paralysis.  That is why it is imperative for persons who have suffered personal injuries due to an accident or someone else’s negligence to seek counsel from a Charlotte personal injury lawyer.

A Loss of Senses

A loss of senses can include things such as losing your hearing, sight, smell, and/or sense of touch.  Such loses can happen due to the occurrence of an explosion, being exposed to or breathing in harmful chemicals, various factors in the workplace, or negligence (to include medical negligence).  For instance, an individual might suffer nerve damage, either in an accident or due to a surgical procedure that went wrong, that might result in a loss of sensation or feeling in a particular area of the body.  That loss could, in turn, lead to various other issues, such as emotional distress.  That said, if you are suffering through a loss of senses that stem from any sort of accident or negligence, contact a Charlotte personal injury lawyer as soon as possible.

Paralysis

Generally speaking, paralysis is a condition of the nervous system that takes place when brain communication is interrupted such that it results in the loss of use of all (or part) of the body.  Certain accidents might lead to spinal cord injuries that can have a lifelong impact such that permanent paralysis takes place.  Individuals who are dealing with paralysis due to someone else’s intentional negligence or recklessness might be entitled to recover damages.

Contact the Personal Injury Law Firm of Bice Law

The personal injury firm of Bice Law will examine your case to determine the type and amount of damages that your injury warrants, including payments for medical expenses, lost income, pain and suffering, and any permanent disability.  We’ll determine whether an out-of-court settlement or trial is the best strategy to obtain maximum benefits for you or your family. If you have suffered injury or harm because of someone else’s actions, take the first step to protect your legal rights – contact the personal injury firm of Bice Law serving both North and South Carolina. You only have a limited time after your injury to file a claim, so act quickly.  Call (855) 5-BICE-LAW today or submit an online request  to get a free consultation with a  personal injury attorneyWe serve families across both North and South Carolina.  Results are how we measure success – we’ve built a strong reputation both in and out of the courtroom, and we’ll put our experience and expertise to work on your behalf.

 

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