Auto related injuries are some of the most common and prevalent insurance claims filed. There does seem to be a rise in insurance claims of this type in the last ten years. In the past three years, the IRC (Insurance Research Council) reported in their 2011 report that the normal offset of frequency in injury claims by adequate insurance coverage had decreased considerably and the frequency of claims increased as well. This means there were more people filing injury claims than ever before possibly due to the higher cost of premiums with respect to medical and bodily injury coverage as well as high costs for medical treatment.
When is a Claim Needed?
If you are in an automobile related accident and you have suffered physical injury you need to file a claim. If the injuries are severe enough your deductible may be sufficient to even out your medical bills. But if the insurance deductable is higher than what your medical bills are many people are opting out filing a claim. This is pretty much common sense. States with “no fault insurance” have been at the forefront of this kind of claim activity and of course there is a great deal of claim abuse raising insurance costs on a daily basis.
Good News for Some
With a rise of bodily injury claims being filed, one industry that sees a benefit are the injury lawyers. It’s through them people can expect to receive the greatest benefit from their insurance coverage. Even the friendliest insurance companies will try to expedite a claim hoping you will settle for whatever they decide. Having an injury lawyer on your side can make a huge difference in the kind of settlement you receive to take care of your injuries.
The insurance game has been around for years. We can purchase insurance for many reasons and specific areas of our lives. There’s vehicle insurance, home insurance, personal insurance and coverage available for just about anything you do or own. On the job, companies pay into Workman’s Compensation which will pay you for injuries sustained on the job or as a result of negligence or wrongdoing in the workplace. But is the insurance company the last word for all your injuries?
Friends of the Law
Insurance companies are strictly regulated by federal and local government on how much they can charge and how they handle claims submitted by clients. However, when it comes time to file a claim, insurance companies can sometimes be hard to deal with on a personal level. They are more concerned with their own numbers than your personal suffering. It’s a good idea to contact a personal injury law firm when you are the victim of an accident and suffer bodily injury. Injury lawyers are well versed in the ins and outs of insurance policies and can help you receive the compensation you deserve even if you think your insurance coverage is enough.
Here to Help
Personal injury lawyers are specially trained in tort law which deals with the injuries sustained from negligence or wrongdoing of another person, company or government agency. They are bound by certain obligations to their clients to assess the case and owe their clients a duty of loyalty and confidentiality. They must work to protect their client’s best interest and can sometimes be the only real friend in an injury case. Getting an injury lawyer involved can make the difference between you getting the maximum amount you deserve and being steamrollered by an over-anxious insurance company!