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Insurance companies do not treat people fairly unless they are represented by attorneys. Part of the reason is that if a car accident victim does not have an attorney, there is no threat of a lawsuit being filed. Without that threat, car accident victims are at the mercy of the insurance company and they will make as low or as unreasonable of a settlement offer as they want.
At Moss Berg Injury Lawyers, we file lawsuits almost on a daily basis. We know from experience when an offer is fair and if the insurance companies are not offering you a fair amount of money, we are here to fight for you until you get what you deserve.
Immediately. By delaying hiring an attorney, there are many things you can do to negatively impact your claim. Let Moss Berg Injury Lawyers take all of the stress away by hiring us and allowing us to protect you from the insurance companies. Our initial consultation is always free of charge, so there is no downside to meeting with us right away.
Car Accidents, Truck Accidents, Motorcycle Accidents, Slip and Fall Accidents, Grocery Store Accidents, Dog Bites and Animal Attacks, Boating Accidents, Catastrophic Injuries, Injuries caused by Defective Products, Brain & Spinal Cord Injuries, Wrongful Death Cases, Injuries Caused By Homeowner Negligence and Injuries Involving Minors.
Every claim is different, so to give you a better estimate we would need to know more specific information. We typically do not even begin to negotiate a settlement of your claim until you have completed all medical treatment recommended by your doctors.
This is just one of the ways we maximize your compensation at Moss Berg Injury Lawyers.
▶ What if I am injured and I am the passenger and the driver of the car was at fault for the accident?
You can still make a claim. As a passenger, you are considered “fault free” and you can make a claim with the insurance company for the driver of your vehicle as well as the driver of any other vehicles involved in the accident.
▶ If I make a claim with my insurance company for Underinsured or Uninsured (UIM or UM) motorist coverage benefits, can my insurance rates go up?
Most likely, pursuant to your agreement with them, your insurance company is entitled to your statement regarding the accident. However, you need an attorney to protect you from your insurance company because anything you say to them could potentially be used against you.
Remember, insurance companies work together and share information so that they can pay as little as possible to settle your claim.
When asked how much insurance coverage they have, many people say “I have full coverage”. Unfortunately, there is no such thing as full coverage. Insurance agents use this term as a selling tool so that people feel they have all the coverage they need at a competitive rate. To adequately protect you, your insurance coverage should be based on your amount of assets and your income level.
The most important insurance coverage with respect to personal injury claims is Underinsured/Uninsured (UIM/UM) motorist coverage. This is the coverage that protects you when you are injured in an accident by someone who has little or minimum policy limits or no insurance coverage at all.
Many people think that their health insurance will cover their medical expenses, but co-pays add up quickly. Health insurance doesn’t pay for lost wages or pain and suffering either.
Another important coverage is Medical Payments Coverage or “Medpay”. Medpay will pay your medical bills and co-pays whether you are injured due to someone else’s fault or your own negligence while in an automobile collision. There are many nuances to automobile insurance that perhaps your insurance agent is even unaware.
Please feel free to contact us any time to discuss your insurance coverage so that you can be prepared before you are the victim of an automobile accident.