The insurance industry is notorious for doing everything within its power to not pay out injury claims. Insurance companies and their adjusters will lie, deny, delay, falsely promise, minimize, dispute and threaten injury victims who are placed in a tough situation after a serious accident. They will do absolutely everything in their power to get away without paying the claim altogether or to otherwise minimize how much they ultimately do pay out. Why? Profit!
The insurance industry knows that the longer and harder they make an injury claimant wait and work for compensation, the more likely they will either be to go away for nothing or eventually settle for much less than the full fair value of the injury claim. Unfortunately, to a large extent, they are right. Many people just don't think it's worth it to pursue a claim, especially for minor accidents or minor injuries such as whiplash.
Sadly, many people believe that it is wrong to make a claim if they have been hurt. This belief is due in part to the brainwashing tactics used by insurance companies, and it is far from the truth. Personal injury law was created to provide help and financial compensation to those who have suffered injury because of the negligence of others, and you deserve to be fully compensated for your pain and suffering. That is why the law was created, and that is a basic fundamental constitutional principle.
It is our experience that the insurance claims industry trains its claims adjusters and representatives to do everything reasonably possible under the law to pay out and/or compensate an innocent injured victim nothing or as little as possible. Based on what insurance companies have done in the past, if you were injured in an accident and it was not your fault or only partially your fault, you do not stand a chance if you are not represented by an experienced plaintiff personal injury attorney. You must be represented by a legal heavyweight in order to level the playing field, and you must understand that the insurance claims industry and the adjuster handling your claim are not on your side.
You cannot and should not trust an insurance adjuster because they are not working for you. They work for the insurance company, and they are looking out for the financial interests of their employer. It is common for insurance adjusters to lead you to believe that they will do the right thing and that you don't need an attorney. Then, several months later, when it might be too late to retain an attorney, and after you've played into their trap, they will transfer the file to another adjuster to deny or dispute your claim or hide behind the decision of a supervisor to override their earlier decision to pay the claim. We have been handling personal injury cases for more than 20 years, and we see this happen all the time.
To handle your own claim against the insurance industry is like performing surgery on yourself. Equally as important as retaining legal counsel, you must hire an attorney who limits his/her practice to plaintiff personal injury law. This ensures that you will be represented by someone who knows the industry and the ins and outs and how to deal with the insurance industry. If you break a bone, you go to an orthopedist not a dermatologist. Similarly, if you suffer an injury in an accident, you should retain a personal injury attorney not a criminal defense or family law attorney.
Here at The Law Offices of Gerald L. Marcus, the sole focus of our practice is personal injury law and we have more than 30 years of experience in handling injury claims. For the strong, professional, and dedicated help and representation you need, contact our firm today.