Common Questions

Many insurance companies talk to you respectfully, soothingly even, in order to gain your trust and get you to divulge information pertinent to your personal injury claim.


Don’t buy the “nice guy” routine!

Many insurance companies talk to you respectfully, soothingly even, in order to gain your trust and get you to divulge information pertinent to your personal injury claim. Often, the “nice guy” approach is a ploy to string you along until the statute of limitations runs out on your case or to elicit information from you that they can use to build a case against you.

Insurance companies often make oral promises they don’t keep.

For instance, the insurance adjuster might say something like, “Allow us to tape record your recollection of the accident. That way, we can finish paying your claim.” Don’t believe it and never accept any oral promises. Any statements you make to an insurance company could be used against you later. An experienced and reputable personal injury lawyer will properly advise you and communicate directly with the insurance company so you don’t have to.

Nothing is “Off the Record.”

There is no such thing as “off the record” with an insurance company. Anything you say to an insurance adjuster can and will be used against you. Even the smallest, most casual comment can reduce your compensation.

Most insurance companies have unlimited resources.

Most insurance companies have a large and experienced staff of attorneys who know every intricacy of personal injury cases. They will find the smallest loophole or detail in order to weaken your claim. The insurance company also has a staff of investigators and access to databases of medical information. You have a giant insurance company with unlimited resources building a case against you. If your insurance company uses a qualified personal injury attorney, shouldn’t you?

Negotiating on your own can be a dangerous endeavor.

You might think that you can save some money by not hiring an attorney and by negotiating directly with the insurance company. Most of the time, however, by hiring an attorney, you will net more money in your pocket, even after payment of attorney fees. An aggressive lawyer will work to achieve the maximum recovery for your injuries. Your attorney will know the tricks of the insurance trade that could potentially be used to reduce the value of your claim. And, what if you start to negotiate, but are not able to achieve an acceptable settlement? You may have already made negotiating errors that could damage the value of your case.

The insurance adjuster’s job is to build a case against you.

Insurance companies deny or pay woefully inadequate settlements on claims all the time. They find a way to prove their client was not negligent. They attempt to prove your injuries are not as extensive as you claim. They will do whatever they can, hopefully within the boundaries of the law, to make sure they pay as little as possible or nothing.

Insurance companies are only interested in one thing – profit!

No matter what you see on television about insurance companies caring for you as a person, take it with a grain of salt. The sole motivation is for an insurance company to take in more premiums that they pay out in personal injury claims. Period.

Hire an experienced personal injury attorney.

A, experienced personal injury attorney is fully aware of insurance company tactics and will shield you from them as well as aggressively pursue your claim against the defendant and insurance company. Dealing with an insurance company immediately puts you at a disadvantage.

They have everything to gain by attempting to pay as little as possible on your claim. However, when you hire a qualified attorney, you have nothing to lose. You will not pay anything unless your lawyer settles your claim for you or prevails at trial. You need aggressiveness and experience on your side.

We make it simple for you to get started. You may submit an online free legal evaluation or call now, (801) 333-7300 to speak with an experienced personal injury attorney.


The National Trial Lawyers

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