Were You Injured through the Fault of Another? Why You Should Talk to a Lawyer Before You Talk to an Insurance Company

  1. One of the primary goals of insurance companies is to minimize costs, which means paying you as little as possible for your claim. It is very common for unrepresented claimants to lose sight of this fact. Lawyers often hear from people who say that they had a great relationship with their adjuster at the outset of their claim so they didn’t think they needed a lawyer. But when it came time to settle, their adjuster would not agree to pay a fair amount.
  2. The longer you remain unrepresented, the more likely it is that your claim will be compromised. Adjusters do a lot of information gathering at the outset of a claim, including requesting medical records and taking statements from parties and witnesses.  Your adjuster may ask you to provide information that you are not legally obligated to provide.  A lawyer can advise you on what information you must and/or should provide to your adjuster.   It is particularly important to have a lawyer review any written statement you intend to provide to your adjuster, as such a statement can greatly affect the outcome of your claim.  Claimants often tell lawyers that their statement as prepared by the adjuster doesn’t precisely reflect what they had wanted to convey, and that even though they reviewed it prior to signing, inaccuracies that should have been corrected were overlooked.
  3. If you hire a lawyer, your privacy will be better protected. Many adjusters know that the more they cultivate a relationship of trust with claimants, the more likely the claimant will be to provide information which the adjuster may not strictly be entitled to, and which can compromise the claimant’s bargaining position. If you don’t hire a lawyer, your adjuster will likely request your medical information and records directly from your doctor.  These records will probably be provided to your adjuster unedited.  This means that your adjuster will get to read about your most private health issues, including those related to relationships, sexual health and depression or anxiety.  If you hire a lawyer, your lawyer will request your records from your doctor and edit out the irrelevant personal information before providing them to your adjuster.  Your lawyer will also place limits on how much of your medical history will be provided.
  4. There are important time limits that apply to your claim, and if you don’t take proper steps before they expire, you will lose your right to claim compensation. A lawyer is best situated to advise you on what the time limits are and what steps you can take to protect your claim before they expire.
  5. Your initial meeting with a Personal Injury lawyer at Johnston Franklin is free of charge. If you were injured through the fault of another, our lawyers will meet with you and provide you with basic advice on how to protect your claim, whether you hire us or not.