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Using a Lawyer Means Better Insurance Settlements

There have been reports recently of insurance companies contacting accident victims immediately after an accident.The companies tell victims they want to help and ask them to quicky settle their claim. If you are in an accident and this happens to you, ask yourself who the insurance company is really trying to help?

In one case, insurance adjusters contacted a 70-year-old woman's family just hours after she was killed in a car accident. They tried to get a settlement before the family could even gather its thoughts. Fortunately, family members told the adjuster they had an attorney, and the adjuster quickly left. In another case, a Florida woman thought she could deal directly with the adjuster who called her right after her accident. But the adjuster is now accused of improperly obtaining information from the woman —information the insurance company is trying to use to lower the amount it pays.

Why are some insurance companies going to such lengths to persuade accident victims to not get a lawyer's help before settling a claim? Simply because they can settle claims for less money if the accident victim is not represented by a lawyer.

Lawyers help clients get all the money they are entitled to after an accident. Most accident victims don't know all their legal rights or all they are entitled to under the small print of an insurance policy. Because of this, getting a lawyer's advice before settling a claim is critical for an accident victim.

Insurance companies that try to disrupt this process sometimes suggest that using a lawyer won't help the accident victim get more money. But the insurance industry's own research proves the opposite is true. For car accidents, insurance industry research shows that the average accident victim receives more money for economic damages (like lost wages and medical expenses) when represented by a lawyer, even after deducting all costs. And when recoveries for pain and suffering are considered, the larger recoveries by accident victims use lawyers is significantly higher.

If you are in an accident, seek legal help immediately. A lawyer can advise you about all your rights as well as advise you about all insurance benefits you may be entitled to receive. Insurance industry research and common sense show that it is wise to consult a lawyer after an accident, and before settling an accident claim.


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