Dealing with Serious Car Accident Injuries
In fact, most folks figure that the insurance company will take care of everything.
It’s important to remember, however, that insurance companies are for-profit industries.
Since Mississippi and Arkansas are both considered tort or fault-based states when it comes to auto insurance, you are actually filing a claim with another driver’s car insurance.
The auto insurance company from the at-fault driver purchased their policy advocates on behalf of their clients—not on your behalf.
In other words, the insurance company has absolutely no responsibility toward you other than what the law forces them to do.
How Insurance Companies Reduce the Value of Your Claim?
When you’re in a car accident, you file a claim against an at-fault party’s insurance. The insurance company immediately begins investigating the accident. In fact, it’s not unheard of for insurance companies to attempt to contact injured drivers. When they do, they present themselves as if they’re trying to help you. Meanwhile, they’re asking you loaded questions and reducing your the value of your claim as much as they can.
Major car insurance companies, like Allstate, use an insurance adjuster software called Colossus. At face value, this appears an objective and systematic way of assessing the value of an injury claim. Insurance adjusters will punch a few numbers into the software, and then come up with a settlement amount. The truth is, this number is generally insultingly low.
As a claimant on a policy, you have a right to see exactly how they arrived at that number. Certain factors may surprise you. For instance, if you don’t seek immediate medical attention, this can vastly reduce the value of your claim. It does not, however, prove by any means that your injuries are not as severe as someone who went directly to the hospital.
Cheap negotiation tactics like these are often part of the claims process. For accident victims, however, the stakes are much higher. Serious injuries from a car accident can lead to missed work, lost income, or even the need to change careers after recovery. If this describes your situation, you may be entitled to compensation for your lost wages and reduced earning capacity. A skilled Mississippi personal injury lawyer can protect your rights, negotiate with the insurance company on your behalf, and fight for the full compensation you deserve.
Get Help From an Experienced Attorney
You will only have one chance to recover damages for your accident. If you’ve suffered serious injuries and will need to miss at least some time from work, then you deserve compensation for that. You also deserve recovery for your sleepless nights, your pain and suffering, and any other inconvenience you suffered due to the negligence of the other driver.
The lawyers at the Harris Law Firm have successfully represented the interests of numerous Arkansas and Mississippi residents injured by negligent drivers in car crashes. Give us a call or contact us online for a free case evaluation.
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