What’s the insurance company’s goal in a personal injury claim?

| Jan 11, 2021 | Personal Injury |

You have been dutifully paying for your car insurance for years. You’ve had the same next-door neighbors for just as long. But then the unthinkable happens: Your neighbor’s teenage daughter backs into you while you are riding your bike near their driveway or you trip and fall on your neighbor’s steps and break your ankle. How will the insurance company involved handle your personal injury claim?

When an insurance company is involved in a personal injury claim

First, you need to keep in mind that your neighbor’s insurance company most likely wants to settle your personal injury claim quickly and for as little as possible. The insurance company even may offer you a settlement to cover the costs of your medical bills or lost time from work. However, that settlement may not represent the amount you deserve. Often, insurance companies offer quick, low-ball settlements to wrap up personal injury claims swiftly.

Second, you need to keep in mind that pursuing a personal injury claim, you are dealing with your neighbor’s insurance company, not your neighbor alone. You may have a good relationship with your neighbor, sharing a beer on your lanai nearly every Friday after a long week of work. That doesn’t mean your neighbor’s insurance company will settle your personal injury claim fairly.

For example, your neighbor’s insurance company may delay paying your injury costs as long as possible. The insurance company may ask you for a recorded statement about the accident. However, that can be a trap, in which you say something inadvertently that hurts your personal injury claim. Your neighbor’s insurance company also could try to prove your injury is a pre-existing condition, not the result of your neighbor’s negligence. Finally, your neighbor’s insurance company likely is combing your social media to try to prove your injury isn’t as bad as you claim.

Facing problems getting your personal injury costs covered

You may need to consult a personal injury attorney if you face roadblocks getting your personal injury costs covered or if you face a long recovery. You want to ensure you get maximum compensation for your injuries. You want to be able to focus on your recovery, not fighting to get your medical bills paid.

CONTACT US FOR A FREE CONSULTATION

Result Image

Case Results

$10,000,000 – Birth injury Medical malpractice case for newborn’s disabilities

$7,200,000 – Prison Medical Malpractice Failure to treat and diagnose an infection causing multiple organ failure and blood circulation. Such required both legs and both hands to be amputated.

$3,400,000 – Car accident Auto collision case (details are confidential)

$2,700,000 – Brain injury Failure to timely treat headaches resulted in brain injury, memory loss and ability to ambulate.

$2,500,000 –  Medical malpractice Death from a Maui medical facility’s delayed treatment of heart attack symptoms

$10,000,000 –  Birth injury Medical malpractice case for newborn’s disabilities

$7,200,000 – Prison Medical Malpractice Failure to treat and diagnose an infection causing multiple organ failure and blood circulation. Such required both legs and both hands to be amputated.

$3,400,000 – Car accident Auto collision case (details are confidential)

$2,700,000 – Brain injury Failure to timely treat headaches resulted in brain injury, memory loss and ability to ambulate.

$2,500,000 –  Medical malpractice Death from a Maui medical facility’s delayed treatment of heart attack symptoms

$2,500,000 –  Medical malpractice Settlement for the family of a man who died from a reaction to the wrong drug

$2,200,000 –  Catastrophic injury Negligence leading to disabling back and neck injury

$1,625,000 – Ship Worker Injury to a ship worker, who suffered serious permanent injuries. Details are confidential.

$1,600,000 –  Medical Malpractice Medical negligence for a delayed diagnosis of cancer

$1,500,000 –   Whale Watch Passenger For injuries suffered to whale watch vessel passenger

$1,000,000 –  Failure To Diagnose Colon Cancer Failure to perform diagnostic tests for colon cancer by a primary care physician.

$1,000,000 –  Misdiagnosis Policy Limits For misdiagnosis of lupus of a woman that resulted in kidney failure.

$1,625,000 – Ship Worker Injury to a ship worker, who suffered serious permanent injuries. Details are confidential.

$1,000,000 –  Motorcycle Collision Policy Limits Automobile turned left in front of motorcycle, causing death.

$1,000,000 – Medical Malpractice Policy Limits Malpractice of a physician who delayed a diagnosis of colon cancer.

$9,500,000 – Auto Accident Client suffered back and neck injuries from a rear end collision.

$800,000 –  Medical Malpractice for an older gentleman who was not given a test for prostate cancer, resulting in undiagnosed metastasized terminal cancer.

$600,000 –  Golf Cart Collision Our client suffered serious back injuries

$500,000 –  Pedestrian Hit By Auto Underinsured Motorist Policy Our client was on the curb when a car hit her.

$443,000 –  Defective Rental Car Judgment entered by a Maui court after a nearly 3 week trial of our client who suffered a knee injury when the rental van seat was not properly attached to the floor.

$375,000 – Dram Shop (Liquor Service) Liability Our client was hit by a person, served excess alcohol.

$375,000 –  Night Club Beating Our client was illegally assaulted

$275,000 –  Slip & Fall On Premises A slip and fall case on a Chinatown sidewalk that the City has a duty to maintain, but outside a restaurant, who did regularly maintain the area. The City and restaurant were both liable.