Understanding the Tactics Used to Limit Your Compensation
Car accidents can be overwhelming, both physically and emotionally. But when you’re dealing with insurance companies, things can become even more complicated. If you’ve been injured in a car accident in Mississippi, one of the first things you may notice is how eager the insurance company is to speak with you. What they may not be as forthcoming about is their aversion to you contacting a lawyer.
Why don’t they want you to talk to a Mississippi car accident lawyer? Simply put, they know that legal representation can help protect your rights and increase the amount of compensation you receive. Understanding the motives behind their behavior can empower you to make informed decisions about your claim.
Insurance Companies Are Focused on Profit, Not Fair Compensation
Insurance companies are businesses, and like any business, they aim to minimize costs and maximize profits. This is especially true when dealing with claims. Paying out as little as possible for car accident injuries helps protect their bottom line, which is why they might try to avoid full and fair compensation. Their representatives are trained to handle claims quickly and with minimal payout.
Lawyers who specialize in car accident injury cases understand the tactics insurance companies use and work to ensure you’re fairly compensated for medical expenses, lost wages, pain and suffering, and more. The last thing insurance companies want is an experienced Mississippi car accident attorney advocating for your rights.
Common Tactics Insurance Companies Use To Discourage Hiring a Lawyer
It’s not unusual for insurance companies to discourage accident victims from contacting an attorney. Here are some tactics they might employ:
- Claiming it’s unnecessary: They may tell you that hiring a lawyer will only complicate the process or delay your settlement. In reality, lawyers can help expedite your case and ensure that nothing is overlooked in your claim.
- Offering quick settlements: Insurance companies may offer a quick, lowball settlement before the full scope of your injuries is known. They hope you’ll accept it without seeking legal advice. Accepting a settlement without a lawyer could mean leaving significant compensation on the table.
- Downplaying the severity of your injuries: Insurance adjusters might question your medical treatment or suggest that you’re exaggerating your injuries. Having a lawyer helps counter these arguments by ensuring your medical documentation is strong and comprehensive.
- Encouraging recorded statements: Insurers often request recorded statements shortly after the accident, hoping you’ll inadvertently say something that can be used to minimize your claim. A lawyer can advise you on how to handle these requests or even communicate with the insurer on your behalf.
How a Mississippi Car Accident Lawyer Levels the Playing Field
Insurance companies have extensive legal teams working to protect their interests. By hiring an attorney, you’re ensuring that you have a legal advocate who understands the laws in Mississippi and can navigate the complexities of personal injury claims. Here are some reasons why having a lawyer on your side is essential:
- Thorough investigation: Lawyers will conduct a full investigation of the accident, gathering evidence such as police reports, witness statements, and expert testimony to strengthen your case.
- Accurate valuation of your claim: Attorneys know how to assess the full extent of your losses, including future medical expenses, lost earning capacity, and non-economic damages like pain and suffering. Insurance companies rarely offer full compensation for these losses without a fight.
- Negotiating with insurance companies: Experienced attorneys are skilled negotiators. They understand the strategies insurance adjusters use and can counter them effectively. This can result in higher settlement offers and more appropriate compensation.
- Filing a lawsuit if necessary: If the insurance company refuses to offer a fair settlement, your lawyer can take your case to court. This often pressures insurers to settle rather than risk a trial.
Why You Shouldn’t Wait to Speak to a Lawyer
Time is of the essence in car accident cases. Mississippi law places time limits, known as statutes of limitations, on personal injury claims. In most cases, you have three years from the date of the accident to file a lawsuit. Waiting too long can jeopardize your claim, especially if evidence fades or witnesses become harder to locate.
Moreover, the sooner you involve a lawyer, the sooner they can start building your case and protecting your interests. Insurance companies work quickly to gather evidence in their favor, and it’s crucial to level the playing field by having a legal advocate on your side as early as possible.
The Real Cost of Not Hiring a Lawyer
Many people worry about the cost of hiring a lawyer after a car accident, but most personal injury attorneys work on a contingency fee basis. This means they only get paid if you win your case or secure a settlement. The financial risk is on the lawyer, not on you.
Failing to hire a lawyer could result in accepting a settlement that doesn’t fully cover your expenses. Medical bills, rehabilitation costs, and lost income can add up quickly. Without an attorney advocating for you, you may find yourself paying out-of-pocket for accident-related expenses that should have been covered by the at-fault party’s insurance.
FAQs
Why do insurance companies offer quick settlements?
Insurance companies offer quick settlements to close cases before the full extent of your injuries is known. Their goal is to minimize their payout by getting you to accept a lower amount than your claim might actually be worth. They know that as time passes, your medical bills may increase, or you may need additional treatment. By settling quickly, they avoid paying for those future expenses. This is why it’s important to speak with a lawyer before accepting any settlement offers.
Can I still hire a lawyer if I’ve already started speaking with the insurance company?
Yes, you can still hire a lawyer even if you’ve already spoken to the insurance company. In fact, it’s often a good idea to consult with an attorney as soon as possible after an accident, even if you’ve begun the claims process. A lawyer can review any statements you’ve made and help protect your rights going forward. They can also take over communication with the insurance company to prevent you from making statements that could harm your claim.
Will my case go to trial if I hire a lawyer?
Not necessarily. The vast majority of personal injury cases are settled out of court. However, having a lawyer increases the likelihood of receiving a fair settlement. If the insurance company refuses to offer a reasonable amount, your lawyer may recommend filing a lawsuit. Even then, many cases settle before reaching trial. Your attorney will guide you through this process and advise you on the best course of action.
How long does it take to resolve a car accident injury claim?
The length of time it takes to resolve a car accident injury claim can vary depending on the complexity of the case. If liability is clear and the injuries are well-documented, a settlement may be reached relatively quickly, sometimes within a few months. However, if there are disputes about fault, or if the injuries are severe and require ongoing treatment, the process can take longer. Your attorney will work to ensure the process moves forward as efficiently as possible while protecting your interests.
What should I do if the insurance company denies my claim?
If the insurance company denies your claim, it’s critical to consult with a lawyer immediately. A denial doesn’t mean you aren’t entitled to compensation. Insurance companies sometimes deny claims to discourage claimants or because they believe they can avoid paying. Your attorney can review the denial, gather additional evidence, and negotiate on your behalf to either get the denial overturned or file a lawsuit if necessary.
How can I prove the extent of my injuries to the insurance company?
Proving the extent of your injuries requires thorough documentation. You should seek medical attention immediately after the accident, follow all treatment plans, and keep detailed records of your medical visits, prescriptions, and any related expenses. Your attorney can help you obtain necessary expert testimony and medical evaluations that support your claim.
Free Consultations Offered 24/7
If you’ve been injured in a car accident in Mississippi, the insurance company is not on your side. Protect your rights by speaking with the experienced car accident lawyers at Kellum Law Firm, P.C. Call our Jackson office at (601) 969-2709 or our Port Gibson office at (601) 590-9000 today to understand your legal rights to compensation and to discuss your options.
