The Insurance Company is NOT on Your Side after a Car Accident

The Insurance Company is NOT on Your Side after a Car Accident

White car that was involved in a serious collision.

If you are the victim of a serious car accident, you will quickly realize that the insurance company is not on your side. The unfortunate reality is that the insurance company, along with its adjusters and lawyers, will do everything possible to undermine your case and minimize its value.

From a business perspective, this makes complete sense. The insurance company wants to limit its monetary exposure to the greatest extent possible. One way that it does so is by significantly limiting personal injury payouts.

The experienced car accident lawyers at Bice Law understand that insurance companies are never interested in doing the right thing after a serious car accident. Our legal team can review the facts of your accident with you and help you decide on the best strategy for maximizing your case’s value, forcing the insurance company to pay you what you deserve.

Recorded Statements

One way that the insurance company may try to undermine your case is by requesting a recorded statement from you. Accident victims are not required to provide a recorded statement, contrary to what an adjuster may tell you.

You should never agree to provide a recorded statement to another insurance company following your car accident. These recorded statements serve no purpose other than to potentially gather information which the insurance company can later use against you. You should avoid them at all costs and call an attorney.

Initial Settlement Offers

Following some car accidents, the insurance company will put an extremely low settlement offer on the table, hoping that you will accept it. When it comes to low settlement offers, the insurance company only has its own interests at heart. Adjusters are hoping that you will accept the low offer so that they can dispose of your accident case quickly and remove your file from their desk.

You should never accept an initial settlement offer that an insurance adjuster puts on the table, as there is almost always additional money that can be negotiated.

 Settlement Negotiations

Even during additional settlement negotiations, many insurance companies will continue to fight you. In an effort to avoid paying settlement money on your case, they may allege any of the following:

  • That you suffer from preexisting injuries or medical conditions
  • That you were injured in a prior or subsequent accident
  • That your injuries were not all that serious
  • That you did not suffer any permanent injuries
  • That you did not treat immediately after your accident or that there are large gaps in your medical treatment

An experienced Carolina car accident lawyer can negotiate with the insurance company on your behalf and highlight all of the positive aspects of your case.

Call a Carolina Car Accident Lawyer Today

When the insurance company is fighting you every step of the way, the experienced car accident lawyers at Bice Law can help during settlement negotiations and throughout litigation.

To schedule a free consultation and case evaluation with a Carolina car accident lawyer, please call us today at 704-243-8778 (North Carolina) or 803-639-8777 (South Carolina), or contact us online.

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How Insurance Companies Try to Minimize Settlement Payouts

Blue car with dents and smashed headlightIf you are involved in a serious car accident, chances are you are suffering from injuries and receiving medical treatment. However, when it comes to compensating you, insurance companies are not interested in paying you top dollar for your case. Instead, they are only interested in saving themselves money and keeping as much of it in-house as possible.

In an effort to resolve some car accident cases, the insurance company will offer the accident victim just enough money to make the case go away. It may even be necessary to send a draft lawsuit to the insurance company’s adjuster – or actually file the lawsuit – in order for the insurance company to take the car accident case seriously.

At Bice Law, our experienced legal team understands that insurance companies are not out to help you following a car accident. We are also aware of the common arguments insurance adjusters make in order to avoid paying you the money you deserve. Our attorneys are fully to prepared to negotiate aggressively on your behalf and take the necessary legal steps to maximize your recovery.

Preexisting Injuries

In car accident cases, many insurance companies will try and turn preexisting injuries against you. Specifically, adjusters may argue that your preexisting injury or degenerative condition is the actual cause of your pain and suffering – not the car accident you were involved in.

A Carolina car accident lawyer can turn that argument around. He or she can allege that although you may suffer from a preexisting medical condition or injury, the car accident exacerbated your condition, making it significantly worse.

Gaps in Treatment

If you have significant gaps in your medical treatment following a car accident, insurance adjusters will likely bring that up during settlement negotiations. The adjuster may argue, for example, that given these gaps you were not injured to the extent you are claiming.

In many instances, however, there are justifiable reasons for delaying or resuming medical treatment. Those instances can include:

  • Lack of health insurance coverage
  • Belief that the current medical or physical therapy regimen is not helping

Prior and Subsequent Car Accidents

If you have been involved in a prior or subsequent car accident, the insurance company may try and use those to explain away your current symptoms or injuries. However, just because you were involved in a prior or subsequent accident does not mean that you were not injured in the current accident.

In the case of prior accidents, minor injuries can resolve quickly. Therefore, you may have been asymptomatic during the time immediately preceding your current accident.

Call a Carolina Car Accident Lawyer Today

If the insurance company is trying to lowball the settlement value of your case, you need an experienced car accident lawyer on your side. The skilled attorneys at Bice Law can advocate for your right to reasonable and fair compensation.

To schedule a free consultation and case evaluation with an experienced Carolina car accident lawyer, please call us today at 704-243-8778 (North Carolina) or 803-639-8777 (South Carolina), or contact us online.

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