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Why You Should NEVER Negotiate With a Car Insurance Company Without a Lawyer

Posted by on January 31, 2018 in Blog | Comments Off on Why You Should NEVER Negotiate With a Car Insurance Company Without a Lawyer

Car insurance companies spend tens of millions of dollars every year on ads designed to convince you that they are your “good neighbors,” that you will be “in good hands” with them, or that they are “on your side.” But if you’ve been injured in a car accident and have to deal with the other driver’s insurance company, all of those statements are as believable as a talking gecko.

Too many car accident victims place too much faith in the insurance company’s good faith and try to negotiate their claim by themselves, without the assistance of an experienced personal injury lawyer. This is almost always a costly mistake.

Insurance companies know that injury victims need money quickly. They also know that injury victims may not have a full understanding of their rights. And they will take advantage of these vulnerabilities to significantly shortchange claimants and get them to agree to a settlement which may be thousands of dollars less than they deserve.

At Hait & Kuhn, our experienced Alpharetta car accident attorneys don’t let insurers get away with nickel-and-diming people injured by the negligence of one of the people they insure. We know insurance company tactics, and insurers know that our tenacious trial lawyers are prepared to go the distance on behalf our clients. That translates into larger settlements and more compensation for our clients than they would see on their own.

Insurers Pay More to Injury Victims Who Have an Attorney

Quite simply, people who hire a car accident attorney to pursue their claims and negotiate with insurance companies collect significantly more in compensation on average than do individuals who negotiate without a lawyer. The statistics bear out this truth:

  • According to the Insurance Research Council (IRC), auto accident settlements for injury victims who had an attorney were 40 percent higher than the settlements negotiated by the victims themselves.
  • In a separate study, the IRC found that 85% of all settlement money paid out by auto insurance companies for claims is paid to people represented by an attorney.

Why Do Insurers Pay More When Dealing With Lawyers?

How often do you negotiate settlements with insurance companies? Rarely, if ever. On the other hand, insurance company claims representatives and lawyers do this all day, every day, on thousands of cases per year.

This mismatch in experience, knowledge, and savvy is something insurers are well aware of. They know how to manipulate claimants and convince injury victims that they either don’t have a valid claim or that their claim is worth pennies. They may try to get you to give them a statement or make an admission which could hurt any personal injury suit you were to file later. They’ll question the legitimacy of your injuries and even attempt to get you to hand them your medical records so they can comb through them to find any prior incidents or conditions they can blame for your injuries.

Insurance companies also know that the promise of immediate cash can be tempting to someone struggling with lost wages, car repair costs, and mounting medical bills.

But when an insurer knows that an aggressive injury lawyer is on the other end of the phone or the other side of the courtroom, their tactics become far less effective, if not useless.

That is because good personal injury lawyers know how to negotiate effectively. They know how insurers work and the ways they try to skirt their responsibilities. They know how to gather and preserve the necessary evidence and present the strongest possible case which negates the insurers efforts to downplay or deny their liability.

The Insurance Company Wants to Pay You NOTHING

Insurance companies are in the business of making money. Every dollar they pay out in claims cuts into the millions of dollars in profits they make from premiums. The more they pay out to injury victims, the less happy their shareholders will be. So, they approach every claim with the goal of paying nothing. Short of that, they will try to resolve claims as fast and as cheap as possible. They will try every possible angle to either deny your claim or try to get you to accept the lowest possible amount of money.

But with a plaintiff represented by a skilled injury lawyer, the insurer knows they are in for a battle that could last months or years, cost them huge sums in legal fees, and expose them to the possibility of an even more costly verdict. These risks go a long way towards loosening the insurer’s purse strings in settlement negotiations.

The bottom line is that the insurer is looking at its bottom line, not your well-being. The exact opposite is true at Hait & Kuhn. Our Alpharetta car accident attorneys have one goal: to obtain the maximum amount of compensation for our injured clients so that they can recover from their injuries and move forward with their lives. Whether at the negotiating table or in a courtroom, we are relentless in our pursuit of justice for our clients, and have earned a lengthy track record of success and the trust of hundreds of injury victims as a result.

Speak With an Alpharetta Car Accident Attorney at North Metro Litigators Today

The Alpharetta personal injury attorneys at North Metro Litigators will be on your side every step of the way as you face the challenges that come with a car accident case. We know it can be a scary and difficult time when your world has been turned upside-down because of a serious car accident injury and that things can be even more devastating if you have lost a loved one because of another driver’s negligence or recklessness.

Call Hait & Kuhn today at (678) 944-0000 or contact us to arrange for your free initial consultation. We welcome the opportunity to serve you.