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The reason we have insurance is to protect us if an accident occurs, such as a car accident or a slip-and-fall incident in the workplace. However, insurance companies will often fight against your claim, offering you no compensation or less than you deserve for a legitimate accident. This is why you need a legal professional on your side if you find yourself in an accident.
A good lawyer will be well-versed on the typical arguments insurance companies make when deciding whether or not to compensate you for the damage done. Here are some of the typical arguments your insurance company will make, and how your lawyer will fight against them.
Who is at fault?
The typical rule of thumb is that, if a person (or company) caused the accident, their insurance covers the damage done to others. This means if you’re in a car accident where the other driver was at fault, their insurance should pay for the damages done. In an effort to save themselves the funds, their insurance company may argue that you were actually the one at fault, checking in with those who witnessed the incident to try to find someone who places full or partial blame on you.
In this scenario, you need a good car accident lawyer in Kingston or wherever the accident occurred. Your attorney will help you gather evidence, speak with witnesses, and use cold, hard factual evidence to back up your claim that you were not responsible and deserve to be compensated for the damage.
When were injuries suffered?
Another trick insurance companies use is to claim your injuries were suffered at a different time. This is often seen with workplace injuries, such as slip-and-fall incidents. The insurance company may try to suggest the harm was done at a different time, perhaps off the clock in your own home. Did you hurt your back playing football with your kids? Did you twist your ankle falling down the stairs in your own home? They will look for “proof” that your injuries were sustained elsewhere.
If you call your lawyer immediately after an accident, their first piece of advice will be to see a doctor right away. This will provide them with further proof that the injury is recent and could be attributed to the accident in question, which will help them immensely if you need to take it to court. Your attorney will also look for other evidence, such as security camera footage, to back up your claim even further.
How much compensation do you deserve?
A tactic insurance companies use to save them money is to offer you a low figure upfront as compensation for your accident. You may be tempted to take the sum of money and avoid a messy legal battle, but often that figure is much less than you deserve. They may only base their figures off injuries sustained, and not other factors, such as lost wages or pain and suffering.
An experienced legal professional will fight for you to be compensated for these other factors and more, proving that the accident affected much more than just your physical health. They will also consider that you may be impacted down the road. It would be irresponsible to settle before the full scope of your injuries are known by your doctor. A good lawyer will fight to see you receive the compensation you deserve right now, and a safety net for future issues that will arise because of the incident.
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