Insurance Lawyer in Cass County
Being injured in an accident is a frightening experience, and the aftermath is not much better. You are likely overwhelmed from dealing with pain, mental distress, financial losses, and other accident-related problems. In order to get your life back on track after an accident, you may need to file an insurance claim against the person who caused your accident’s policy.
Fault laws allow injury victims to pursue negligent parties for damages. For instance, if you are hurt in a car accident, you could file an insurance claim against the at-fault party under the right circumstances. A car insurance lawyer could help you with your claim, help you gather evidence, and help you deal with insurance negotiations.
Filing an insurance claim is not easy, but with help from an insurance attorney, it won’t be so difficult and stressful for you. You can concentrate on your physical recovery from your injuries, your mental well-being, and overcoming your accident. Your lawyer can work on getting you an insurance settlement for an accident you didn’t cause.
Types of Injury Accidents
Accidents come in many different forms and under all sorts of circumstances. No two accidents are alike, which is why insurance was created. Insurance is there to protect people financially in the event of an accident. It can protect an at-fault party from financial liability when that party causes an accident.
For example, if a business owner fails to correct a property hazard and someone gets hurt, the business owner’s insurance would cover the damages of the injured party. The business owner may not have to pay out of pocket for the injury victim’s expenses. That’s why the business owner gets insurance.
An insurance claims attorney can help you file a claim against those responsible for hurting you. Below are a few more examples of accidents you could be hurt in. For example, while it probably doesn't shock you that auto accidents are the most common cause of injury, you may be surprised to learn that medical malpractice is the second most common form of personal injury out there, a fact that could likely prevent a large number of exorbitant medical expenses. You could be entitled to compensation through an insurance claim settlement if someone else’s negligence caused your accident:
- Car accidents
- Bus accidents
- Pedestrian accidents
- Motorcycle accidents
- Trucking accidents
- Premises liability
- Product liability
- Medical malpractice
- Dog bites
How an Insurance Claims Attorney Can Help
A lawyer can help with insurance claims because insurance policies are legally binding agreements between the policyholder and an insurance company. Insurance claims can be tricky, and it’s difficult for the average person to understand related laws and how much insurance coverage they are entitled to.
It's more common than you might think, for example, for injured parties to sue their own insurance companies for failing to cover them, which is another reason why it's a good idea to work with an insurance lawyer who can help you negotiate with your insurance company more effectively. Insurance lawyers work to gather facts, investigate policy details and coverage, and understand all parties involved in order to work with the most information possible to obtain the best possible outcome for injured parties. That's why it's definitely worth it to hire an insurance lawyer: because they're trained to understand the legalese and specific nuances of any given insurance policy.
For example, if you are injured due to a defective product, do you know how much money you are entitled to from the manufacturer’s insurance company? Your lawyer can investigate your accident and injuries to calculate how much compensation you are entitled to. Then they look at the manufacturer’s insurance coverage to see how much money you could receive from them. Your lawyer can then negotiate with the manufacturer and their insurance company to get you the maximum compensation allowed under the law. They can also handle insurance disputes and litigate on your behalf any insurance cases that go to court.
Most personal injury cases settle outside of court because of several reasons: settlement allows defendants to control risks and avoid further legal costs; settlement allows insurance companies to avoid unnecessary publicity through newspapers or online exposure; settlement allows plaintiffs to avoid drawn-out trials; and settlement also allows plaintiffs an almost guaranteed win.
The negotiation process usually consists of several phone calls back and forth along with written correspondence with offers for less than original offers, initially, followed by several negotiations for more until a final amount is decided upon. This is why it is definitely to your advantage to work with an insurance lawyer: because you don't want to have to be the one left negotiating with insurance companies who know more about the legal process than you do. You'll also be less likely to fall prey to bad faith insurance if you have an insurance lawyer on your side.
Monetary Compensation Through an Insurance Settlement
Most insurance claims are settled outside of court through the insurance negotiations process. Your attorney’s job is to help you obtain fair compensation for your injuries from insurance companies that are responsible for payouts under insurance laws.
You could be eligible to receive payment for the following damages:
- Pain and suffering
- Lost income and lost earning potential
- Medical expenses
- Cost of physical therapy
- Mental trauma and cost of treatment
- Permanent disability
- Property damage (if applicable)
- Scarring and disfigurement
- Lost life enjoyment
Learn More About Filing an Insurance Claim in Cass County
Reach out to Clayton A. Jones, Attorney at Law in Cass County for help filing an insurance claim for a traffic accident or personal injury accident. You have the legal right to bring a claim against someone whose negligence caused you harm.
Clayton A. Jones is a personal injury lawyer with years of experience who can give you legal advice. Our law firm can help you deal with your own insurance company or with an at-fault party’s insurer. We can help identify whether an insurer is practicing good faith insurance or whether they have violated insurance laws (operating in bad faith).
The right legal representation can make all the difference in an injury claim. Learn more about how our legal team can help you with your claim when you call our office. We offer a free consultation to those who reach out.