Is This a Good Offer?
Is this a good offer?, is one of the most common questions we get at the Lawyers of Brown and Roberto after a car accident. When you think about it, it’s easy to see why. Most of us aren’t familiar with dealing with an insurance company and when you’ve been injured and your medical bills are piling up, you don’t have time to waist talking with an adjuster. The best advice is to call an experienced lawyer and review your case as soon as possible to avoid any time limits that could negatively impact your case. But, how do you know… is this a good offer?Five Reasons The Insurance Company is Not Offering You Enough
Many insurance companies make a small initial offer until a lawsuit is actually filed. While their first offer is probably not their final offer, some insurance companies will not offer you what they should until you have hired an attorney and filed a lawsuit. The Lawyers of Brown and Roberto will fight to make sure you are receiving all the money that you are entitled to.
You may not have provided the insurance company adequate documentation of your injuries. Insurance adjusters are looking for very specific information. It is important to package that information right so that the pertinent facts stand out. Our attorneys and staff will presented your case to the insurance company in a way that gets the results you are looking for as quickly as possible.
The adjuster does not know about all of the damages that you are claiming. The easiest way to be sure you aren’t being offered enough is to not include all of your damages. Did you miss time from work? Did you have out of pocket expenses? Not knowing what to ask for will affect what you get for your injuries. The Lawyers of Brown and Roberto will review your case with you and make sure that your losses are properly documented so you can get the recovery you are entitled to under the law.
The adjuster may assume that your medical bills have been “written off.” Many adjusters are devaluing claims because the injured party is not represented or based on the Tennessee Supreme Court West v. Shelby Co. Healthcare Corp. This decision reduces the amount of medical damages to the amount that your insurance actually paid and not the full bill. It is important to understand this case and how to handle it to be sure that you are getting all you are entitled to under the law.
The adjuster may have offered you the policy limits of their policy. Insurance is a contract and that contract only covers up to a defined amount. In order to receive a policy limit offer, you have to know the proper way to ask for it under the law and what to do to trigger uninsured motorist coverage.
When you are dealing with serious injuries with significant medical bills, you need to call an experienced car accident lawyer who can help you maneuver through a complicated claim. Give us a call at (865) 691-2777 or contact us through our website Brown & Roberto, PLLC to set up a free consultation.