We have people who help us prepare our taxes. Yet amazingly, after an accident, we abandon that good sense; having professional help. Instead of using a qualified attorney to get our insurance claim filed, we step out from under the umbrella of safety and decide that we can file the insurance claim all by ourselves. It defies logic.
Accidents Change Lives
An injury accident changes the course and heading of a person’s life. It gets disrupted. Sometimes drastically, severely, and irreparably. They are no longer going to be able to do what they used to do. Their achievements of the past become useless relics for the future. The skills they invested in and worked so hard to perfect can no longer be done. In one cataclysmic moment, their whole plan and their cherished goals get blown apart.
Have Insurance Claim Filed by an Injury Attorney
When entering the world of insurance claims, do not act alone. Co-pilot with The Paul Powell Law Firm. You see, here at Paul Powell, we will actually file insurance claims for you.
Even though insurance companies rank near the top on a list of “Companies You Are Most Dissatisfied With” (only cable companies or car dealers make a worse showing), people persist in going it alone. You have to give insurance companies credit. They do a terrific job of brainwashing and training us about what to do when we have an accident, especially in the automotive world.
5 Things Automotive Insurers Care About
Take car accidents, for example. Insurance companies have five areas they care most about the most.
When there are injuries, did you:
- Summon emergency services
- Call the police
- Exchange information
- Document with pictures, videos, witnesses, etc.
- Call and report the incident to the insurance carrier first
The one at the bottom of the list is super important to them. In their world, things would be perfect if we in fact called immediately. You cannot look at an insurance document or website without seeing “If you’ve been in an accident” numbers prominently displayed. Their ultimate goal is to have us dialing them while still sitting at the scene.
Why? Because like a runaway horse, the best way to take control of the situation is to grab it by its head right at the start. And when we have had an auto, motorcycle, slip and fall, pedestrian or bicycle accident, we become an insurance company’s runaway horse.
Why Consumers Don’t like Working with Insurance Companies
Most consumers usually dread working with insurance companies after an accident because it usually goes something like this:
- The injured party calls and reports the accident to a warm, caring, and concerned report taker who most likely transfers them to their own “personal claims adjuster.”
- The claims adjuster is very concerned and the first question they ask is “Are you okay?” Of course, at that moment, the average person does not know for sure and most often responds with “Yes.”
- Then insurance wants informational answers to seemingly benign questions which they may inform you are being recorded. What time did the accident occur? Where? Was anyone hurt? Who was involved? What happened? Were police contacted? And so on.
- They close out this phase of the process by giving out their personal contact information and offering words of comfort, but the “die has been cast.”
- You are on record and everything you just said can and could be used against you to erode or defame your claim.
Over subsequent weeks
- The insurance company will have multiple people contact you. Perhaps a repair specialist or a medical services representative.
- You’ll file and process paperwork back and forth in regard to auto repairs and medical treatments.
- Insurance will recommend and offer to facilitate getting the vehicle to one of their approved and preferred repair shops.
- You might defer that to pursue one you know better.
- Your vehicle gets towed.
- You might be provided with a loaner car.
- You may or may not receive status reports about ongoing repairs.
- You get news about more undetected damage, supply chain delays in delivering parts, and other issues.
- You await the final return of your vehicle, which most often fails to meet the projected deadline.
- Should the vehicle be totaled, should there be out-of-pocket expenses, should other financial burdens have occurred, the insurance company will make an initial payment offer and press to expedite things by sending a check overnight or doing an almost instantaneous account transfer.
Now the drama escalates
- Was the amount offered fair, considering the replacement value of your vehicle?
- Do your injuries still give you persistent problems?
- Are you sure your current discomfort will indeed heal?
- Are the medical services you receive adequate or do you need to see specialists outside your immediate area?
- Have you been out of work and without pay?
- Has your future career been impacted?
- Have your commitments to others gone unfulfilled?
- Do issues with other involved parties still remain?
Things Tend to Work out Differently than Planned
As you answer these questions, you will probably come to the realization that it makes sense to reject or negotiate some things with the insurance company. And if things have become disagreeable or reached an impasse, you no doubt want to seek legal counsel.
Now the Insurance Company has Become Your Runaway Horse
And like the insurance companies prefer to operate, you’ll find yourself thinking you should have grabbed the head of the runaway horse right at the start!
That happens when you have your insurance claim filed by Paul Powell. The head of the horse, the ongoing process with insurance, is under control.
Smart People Get Their Insurance Claim Filed By an Attorney
When you get your accident insurance claim filed by Paul Powell, you’ll save time, save money, save tons of aggravation, and avoid errors by putting yourself in the best hands possible right at the beginning. So as soon as humanly possible after you have been involved in an accident, any kind of accident, contact Paul Powell.
Paul wants what is best for you. He strategizes, advocates, and, when necessary, litigates for you. You pay no fees until your case is won or settled. And Paul never makes more from your case than you receive. He puts that in writing. Paul Powell. More Lawyer. Less Fee.
The information on this blog is for general information purposes only. Nothing herein should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.