Offered a settlement after an accident? You need legal acumen

You weren't expecting to get into a serious car accident, but it happened. Now, you're grateful that you have such excellent motor vehicle insurance. Your insurance company may be acting friendly, but chances are that they want to limit their financial liability for the accident as much as possible. This is true both of your own insurance company and whatever company was insuring the driver who caused the accident.

It is common practice for insurance companies to offer very low first settlement offers. They are hoping you will take it and end their liability. However the settlement may be too low to cover your medical bills and other losses. An attorney can review any settlement offer and determine if it is reasonable given the extent and nature of your injuries. An attorney can also help you if the other driver was uninsured or carried the state minimum insurance.

Your insurance company is looking out for their bottom line

Although you paid your premium every month, your insurance company would love to find any reason to reduce or even completely deny your claim. They are in the business of insurance to make money. Claims, especially large claims for automobile injuries or fatalities, aren't good for their investors' financial returns. That's why having an attorney to advocate for you after an accident is so critical. You should never agree to make an recorded statement or speak with an insurance adjuster without an attorney present. The insurance company may try to get you to implicate yourself as liable.

If you do so, the company can deny your claim or limit what it offers in terms of coverage. Even if the police report for the accident makes it clear that the other party was at fault, your insurance company could try to argue that you weren't driving carefully or failed to notice something that could have allowed you to prevent the accident. Legal direction will ensure that you don't say anything you shouldn't or say it in the wrong way. You can also push back if the settlement being offered by an insurance company is too low to cover your medical bills and other financial losses.

An attorney will fight for you

After sustaining serious injuries or losing a family member in a serious motor vehicle accident, retaining the help of an experienced California personal injury attorney is a critical step. Your lawyer can negotiate on your behalf, let you know if a settlement is too low and help you fight for the compensation you deserve. Whether it's your insurance company or the company that insured the other driver, legal acumen is needed to ensure you receive the fair compensation you are due after a serious accident.

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