Make The Maximum Recovery From Monterey Personal Injuries In Monterey: Five Strategies For Dealing With Insurers
Personal injuries in Monterey are typically attributed to accidents. However, while unintentional, they are often caused by negligence on the part of others. Insurance policies the at-fault party has in place can help compensate you for your losses. Unfortunately, insurance companies are never easy to deal with.
Our Monterey personal injury lawyer has extensive experience successfully negotiating with these companies and claims representatives. To maximize your recovery, we recommend the following five strategies.
Insurance May Help Cover The Costs Of Personal Injuries In Monterey
Under the California Civil Code, everyone is responsible for maintaining public safety. When negligence on the part of others causes you to suffer personal injuries in Monterey, you have the right to hold them liable for your losses.
Negligence means refraining from actions that could pose risks and taking reasonable precautions. Common types of accidents resulting from negligence include:
- Car accidents;
- Motorcycle accidents;
- Truck accidents;
- Public transit accidents;
- Pedestrian and bicycle accidents;
- Boating accidents;
- Slips and falls;
- Getting struck by objects on another’s property;
- Dog bites;
- Injuries due to defective products.
In all of these cases, the at-fault party is likely to have insurance policies in place to help cover your losses. However, when dealing with claims representatives, be aware that their top priority is to protect profits.
This strategy works for them. The Insurance Information Institute (III) reports that these companies make close to $1.5 billion per year.
Five Strategies For Dealing With Insurers
When dealing with insurers, keep in mind that they are not your ally or friend. One of their common tactics is to offer an immediate settlement, which is likely to be far less than what you deserve. They may also attempt to deny your claim. To protect yourself and your rights, follow these five strategies:
- Notify the insurer soon after personal injuries happen, but refuse requests for a recorded statement;
- Stick to the bare facts when speaking with claims adjusters and avoid speculating or admitting even partial fault;
- If they push for an exam by their doctor, provide a statement from your own detailing your injuries and prognosis for recovery;
- Include property damages in your claim and calculate each item’s value based on worth and the current cost to replace;
- Consider all current expenses and other costs, such as medical bills and lost wages, you are likely to incur in the future.
Keep in mind that once you accept an insurance settlement, you waive your rights to future compensation in a claim. To make the maximum recovery possible, get our Monterey personal injury lawyer on your side.
Contact Our Office And Request A Consultation With Our Monterey Personal Injury Lawyer Today
When personal injuries in Monterey happen, the Allen Law Firm provides the experienced legal representation you need to get compensation in a claim. To make the maximum recovery possible, call or contact our office and request a consultation with our Monterey personal lawyer today.
Sources:
iii.org/fact-statistic/facts-statistics-industry-overview
leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=1714.&lawCode=CIV
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