I know the consultation is FREE, but it seems like a hassle. I think I can handle this myself. Maybe I’ll call if a problem arises. Why should I speak to an attorney before speaking to the insurance adjuster?
Watch out for the two most common auto injury claim killers.
Claim Killer 1:
Insurance adjuster: “You don’t need a lawyer! You can settle your own case and save some money. I just need find out from you what happened for my file.”
What is the most dangerous question an insurance adjuster can ask you?
Insurance adjuster: “Mr. Jones, just one more question … Was there anything you could have done to avoid the collision?
There is always something else we could have done. We could have left earlier. We could have started later. We could have taken a different route.
What the adjuster is doing here is looking for CONTRIBUTORY NEGLIGENCE. Contributory Negligence will end your claim. In North Carolina, if you are in ANY way AT ALL responsible for the collision or your injuries you are entitled to nothing as a matter of law.
The words you choose to answer this seemingly innocent question (or other questions designed to elicite the same type of information) will be carefully analyzed by lawyers and insurance representatives to determine if they can avoid paying you a dime.
Call (910) 341-7570 now to find out how to protect yourself legally when you are asked this and other questions. You can also find out what other dangerous questions you can expect when speaking with the insurance adjuster.
Claim Killer 2:
Insurance adjuster: “You don’t need a lawyer. We have admitted liability. It was our driver’s fault. We will pay for the damage. Why do you want to pay for a lawyer?”
Injury cases involve two issues: (1) Liability and (2) Damages. An insurance company admitting liability is like an employer saying you are hired. It is better than the alternative but it is not the end of the analysis. The question is how much? They have superior information and experience. This is what they do. They have an advantage and they will use it to the benefit of their employer, the insurance company. If they agree to pay the claim but then only offer a fraction of what they are legally obligated to pay, then you have a problem. You need your own claims representative.
Also, you will need to consider future medical bills, permanent injuries, loss of income, your own auto insurance policy, your health insurance plan, Medicare, Medicaid or Tri-Star, liens on the insurance proceeds. We can maximize your recovery and navigate through these issues for you. Sometimes the mistakes people make early in auto injury cases while trying to “do it themselves” cannot be undone and cause irreparable damage.
In the years I have been representing injured people, I have not met one person who would have been better off if they had not called.
For more information about the biggest mistakes people make in auto injury cases that cost them thousands and the most effective ways to avoid these mistakes please call (877) 593-4233 to request a free copy of my book, The North Carolina Auto Injury Book, 20 Secrets to Maximize your Claim or to speak with an experienced professional about your case.