Following a
car accident, you are entitled to be compensated for your injuries by your
insurance company whether or not you were at fault under Pennsylvania's no-fault insurance
laws.1
If you pay your premiums, you should be able to trust that your own insurance
company will have you best interests in mind and will provide adequate compensation
for your medical bills and other losses. Unfortunately, the business model of
many insurance companies depends upon limiting liability whenever possible and
this often means paying injured policyholders less than they deserve.
Know the
true value of your insurance claim
Too many
auto accident victims submit a claim and then wait for the insurance company to
tell them what their claim is worth. However, most major insurance companies
now use software to determine a settlement offer, so a real person is not even
reviewing your losses. Additionally, this software can often be manipulated to
purposely lower settlement offers2 for bodily injury whenever
possible. For this reason, you should never simply trust the insurance
adjuster's assessment of your claim.
For
example, many initial offers are solely based on your already-incurred medical
expenses and may not take into consideration necessary future treatments. If
you unknowingly accept a settlement offer that is too low, you cannot go back
and make additional claims for future complications or treatment arising from
the same accident. Instead, all past and future treatment costs should be taken
into consideration when you are considering a settlement, as well as past and
future lost income and other losses.
Accepting a
settlement offer is not your only option. Instead, you can negotiate with your
insurance for a higher payout or bring a claim against the party who caused
your accident. You should always discuss your legal rights and options with a
qualified auto accident attorney.
Discuss
your case with an experienced Philadelphia auto accident lawyer
Before you
accept any type of settlement offer from an insurance company, you should
always consult with a qualified Philadelphia car accident lawyer who knows how
to determine the true value of your claim. At The
Levin Firm,
consultations are always free, so there is nothing to lose by calling
215-25-5183 to schedule an appointment to discuss your accident today.
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