Know When It is Time to Acquire Legal Representation During an Insurance Claim

Aug 09

Modern time bears witness to how people around the world have made cars today’s most common form of transportation. Here in the U.S., cars and trucks on roads and highways are estimated at 253 million; about 16.1 million of these were purchased only last year (2015).

The continuous increase in the number of cars and truck on U.S. roads may be a good sign – a signification of a growing economy. Sad to say, however, this increase may also hint that the number of automobile crashes will remain to exceed five million every year, injuring at least two million drivers, car passengers, and pedestrians, and killing more than 30,000.

Every time an accident occurs, a victim’s immediate concerns include cost of treatment, days off from work which result to loss of wages, and property damage among others. It would be natural acquire legal representation for a victim to be preoccupied with thoughts about the possible sources of money until he/she is able to get back on his/her feet. These sources may include Workers’ Compensation benefits (but only if he/she was injured during the performance of his/her job), and/or SS benefits (but only if the injury renders the victim unable to do any job, the injury is expected to last at least 12 months, or if it results to a type of disability that is found in the SS Blue Book or SS Listing of Impairments). But the real immediate source of financial benefit after a car accident is the at-fault driver’s or the victim’s car insurance provider.

Despite the importance of insurance benefits to accident victims, the law firm Crowe & Mulvey, LLP has seen how many insurance companies are slow to pay out or refuse to pay altogether on valid insurance claims following a car accident. Due to this, it may become necessary for the victim to acquire legal representation, especially if :

  • Valid claims are denied;
  • If a claims adjuster pressures the victim to accept a quick settlement that is unfair;
  • If compensation for accident-related medical costs do not fully cover expenses; or,
  • If the statute of limitation of the state (where the accident occurred) will prevent the victim from challenging
  • the settlement claim.
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