Is the Insurance Company Refusing to Pay or Offering an Unreasonably Low Amount?
Insurance companies will sometimes use dirty tactics to try to avoid paying the claims of injured people. These tactics may include unreasonable delays in your claims process, refusing to pay you even though liability is not in dispute or making unreasonably low offers despite your extensive injuries. A personal injury attorney understands these tactics. Insurance companies that engage in bad-faith negotiations may be liable to you for doing so. A personal injury lawyer may put an end to such tactics and seek the recovery that you should rightfully receive.
If you are given an unreasonably low offer after presenting a claim on your own, you have only three choices: (1) accept the offer; (2) hire an attorney to renegotiate; or (3) file a lawsuit. Choices two and three will require the help of an attorney. While a lawyer can quite possibly help bolster the value of your claim by examining and supplemental the medical records, bills and other documentation supporting your claim, any experienced lawyer will tell you that they would rather have come into the case from the beginning to maximize the settlement offer. In addition, filing a lawsuit is not something that you can or should do on your own. After the initial claim is filed with the court, there will be constant deadlines set for filing follow up paperwork, attending hearings, and responding to demands for information and documents. Failing to meet these deadlines can (and often does for those who try to file their own case) lead to a complete dismissal "with prejudice" of the claim. This means that the case is thrown out of court and the party may not be able to re-file.
For all these reasons, it is always best the hire a lawyer early on in the process but, if you have tried to present your case and have received a "low ball" offer, it is time to hire an experienced personal injury lawyer!