Should I just settle with my insurance company?

Should I Just Accept The Insurance Settlement?

When you get into an accident or experience an injury due to someone else’s negligence, you may have to make a personal injury claim with an insurance company. They will often offer you a quick insurance settlement. Don’t take it.

After you make the claim, the insurance adjuster will take some time to look into what happened: he may speak to witnesses, look at photos, go over your medical records, interview police, and more. After the insurance company has done some looking into your situation, they’ll often come back with an offer for an insurance settlement.

Don’t Take The First Offer

When you’re going through the long, tedious, and often painful process of recovering from an injury or accident, you may feel tempted to take the settlement. After all, settling means that the situation is over and done with and that you no longer have to deal with your insurance company and all that that entails.

In reality, however, it’s never a smart decision to simply take a settlement without working with an attorney, since insurance companies tend to offer you amounts that are much lower than what you would receive if you would take the matter to court.

Instead of simply settling with an insurance company after you experience an accident or injury, here’s what you should do to make sure you get the fairest and financially beneficial outcome.

Consult with an Attorney Before You Accept An Insurance Settlement

The first thing you should do after receiving emergency medical care for your accident or injury is getting in touch with an attorney. An attorney can be helpful even while you’re still in the hospital or recovering because they can begin to look into your experience and build a case from very early on.

Speaking with an attorney who specializes in personal injury is a wise move because they know what to look for in the case of an accident, and they also know how to deal with insurance companies.

If you don’t get an attorney right away after your accident: fear not. You have until the statute of limitation in your state expires in order to file a lawsuit, so you can speak with an attorney even if your accident is in the past and you feel fully recovered.

However, it is never wise to wait until you are close to the limit. Many attorneys will not take on a case if it is too close to the statute of limitation. Doctor First, Attorney Second. That’s my motto. Contact your attorney early and often.

Why Should You File a Personal Injury Lawsuit?

Instead of simply settling with your insurance company, you may need to file a personal injury lawsuit, if necessary,  because insurance companies only offer pennies on the dollar when it comes to compensation. In contrast, a lawsuit can help you get monetary compensation for things like the following:

  • Lost wages
  • The cost of medical bills
  • Disability accommodations you had to add to your house or car because of the effects of your injuries
  • Emotional suffering
  • Physical pain
  • and more.

What Will Filing a Personal Injury Lawsuit Cost?

If you decide to file a personal injury lawsuit, you will have to pay your attorney to handle the case for you. However, many personal injury attorneys don’t take payment unless you collect money.

When you do collect, they’ll deduct the attorney fee from the amount that you collect in the lawsuit. These fees include charges for things like: your lawyer’s contingency representation fee, filing fees, court reporter costs, the cost of copying records and documents, and more. Also, your medical bills will be deducted from the money you collect.

If you’ve been injured or in an accident, consider reaching out to an attorney who can help you get compensated fairly by your insurance company. Smiley Law Firm is an excellent resource for handling your lawsuits for incidents like car accidents, truck accidents, motorcycle or bike accidents, construction site injuries, and more.

Our experienced legal team can help ensure that your case is being handled properly and that you’re being compensated as fairly as possible.

Learn More From Smiley Law Firm’s Injury Blog

Here at Smiley Law Firm, we write about the topic of insurance issues all the time. In every personal injury case, there is an insurance element that is crucial. If people are educated on insurance from the beginning it makes the case flow more smoothly.
As personal injury attorneys, we believe in educating our clients and the public with the most up to date information available. We have a number of blogs and articles covering the following topics. Please read them and leave comments if you find the information helpful.

Comments

  1. Seth Smiley

    on July 17, 2019

    Thank you for the comment, please tell your friends! 🙂

  2. Seth Smiley

    on July 17, 2019

    Thank you for the comment. I am sorry to hear about your sister. Please reach out to our firm as we may be able to help. If the accident was not in a jurisdiction where we are licensed then we can help her find a qualified attorney in the proper jurisdiction.

  3. Seth Smiley

    on July 17, 2019

    I’m sorry to hear about your brothers car accident with a drunk driver. We wish him the best and speedy recovery. Thank you for the comment.

  4. Seth Smiley

    on July 17, 2019

    Thank you for the comment.

  5. Darlene

    on July 16, 2019

    We absolutely love your blog and find almost all of your post’s to be
    just what I’m looking for. Would you offer guest writers to write content for
    yourself? I wouldn’t mind producing a post or elaborating on some of the subjects you write concerning here.
    Again, awesome website!

  6. Angela Waterford

    on July 15, 2019

    My brother was injured in a car accident because of a drunk driver. I think I should tell him to hire an auto accident attorney in order to address his concerns with the insurance company. Thanks for mentioning that they’ll be able to help him prove that he was harmed by the driver so that he can get compensation for his injuries.

  7. Thomas Jameson

    on July 15, 2019

    It’s good to know that roughly 40% of auto accidents are caused by alcohol. My sister was in a car accident last week where she was t-boned by a driver who might have been drunk. I’ll pass this information along to her so that she can look further into her options for hiring an attorney to help her get the money she deserves from her case.

  8. stun guns

    on July 15, 2019

    Hi there, You’ve done a great job. I’ll certainly digg it and in my opinion suggest to my friends.
    I am confident they’ll be benefited from this website.

  9. Seth Smiley

    on July 12, 2019

    Thank you for the insight on wrongful death claims and comment.

  10. Guiding Your Family Through a Wrongful Death Claim - Types of Law

    on July 12, 2019

    a wrongful death case prior to making any legal decisions. Consult with attorneys who specialize in wrongful death lawsuits. Get a copy of the extended police report. Wait until you get the results of the

  11. Seth Smiley

    on July 12, 2019

    Thank you for the comment. Tell your sister to give us a call and we can point her in the right direction with regards to legal representation for her texting and driving accident.

  12. Seth Smiley

    on July 12, 2019

    Thank you. We appreciate your comments on our legal guide.

  13. Thomas Jameson

    on July 11, 2019

    It’s good to know that you should hire an attorney to help you press charges if you are injured by someone who is texting and driving. My sister was in an accident the other day, and the other driver was a teenage girl who was most likely texting. I’ll pass this information along to my sister so that she can look further into her legal options.

  14. home alone

    on July 9, 2019

    I like this website very much so much good info.

  15. Seth Smiley

    on July 8, 2019

    Great, thank you for the comment.

  16. home appear

    on July 8, 2019

    bookmarked!!, I really like your website!

  17. Seth Smiley

    on July 8, 2019

    Thank you.

  18. Seth Smiley

    on July 8, 2019

    Yes, I would not play video games in the car. I could see how that would prevent car accidents. Thank you for the comment.

  19. Seth Smiley

    on July 8, 2019

    Thank you for the comment.

  20. Free Stuff

    on July 7, 2019

    This actually answered my problem, thank you!

  21. GuQinPu

    on July 7, 2019

    Yet another issue is that video games are typically serious as the name indicated with the principal focus on studying rather than fun. Although, there’s an entertainment feature to keep your young ones engaged, each one game is frequently designed to work towards a specific expertise or course, such as numbers or science. Thanks for your post.

  22. garrett superwand

    on July 6, 2019

    I was looking at some of your content on this internet site and I think this website
    is very informative! Keep on posting.

  23. Seth Smiley

    on July 5, 2019

    Thanks, Braden. Yes, you should contact a personal injury attorney to discuss your options.

  24. Braden Bills

    on July 5, 2019

    I was in a car accident, and I’m not sure what to do about it. It makes sense that getting a professional lawyer to help with this would be important. They would be able to ensure that I get compensated for this, and can pay my medical bills.

  25. Seth Smiley

    on July 3, 2019

    Gillian, I could not agree with you more. Thank you for the comment.

  26. Gillian Babcock

    on July 3, 2019

    My sister was crossing the street when a speeding motorcycle passed by and she was hit and badly injured. It was explained here that a lot of experience grave injuries from vehicular accidents some of them even die. Moreover, it’s ideal to hire an experienced personal injury lawyer to help her file claims.

  27. Seth Smiley

    on July 2, 2019

    Thank you for the comment. We have a number of other blogs on our site that are helpful. Click around or give us a call for more information on injury claims.

  28. Mellinger

    on July 2, 2019

    great issues altogether, you just won a emblem new reader. What could you recommend in regards to your submit that you just made some days in the past? Any certain?|

  29. Seth Smiley

    on July 2, 2019

    Angela, thank you for the comment. If you or your grandmother need help with the texting and driving accident and injury, please reach out to our firm.

  30. Angela Waterford

    on July 2, 2019

    There was a teenager who injured my grandmother due to texting while driving. I think I’ll hire a car accident lawyer because her life had been irreparably changed. Thanks for pointing out that I’ll be able to point out his negligence with the attorney’s help, so I’ll be sure to hire a good one.

  31. Seth Smiley

    on July 1, 2019

    Thank you for the comment, Jackson!

  32. Jackson Bush

    on July 1, 2019

    I like how you mentioned that an attorney can help establish negligence. My daughter recently got her license and I’m worried that she could get in an accident and automatically blame it on herself because that’s just her personality. I’ll be looking for a reliable attorney for any possible accidents in the future.

  33. Seth Smiley

    on June 28, 2019

    Thanks for the comment

  34. Angela Waterford

    on June 27, 2019

    I had been injured in a car accident last week. As far as I know, the driver who drove the other car was drinking alcohol. Thanks for mentioning that I should call an attorney for this, so I’ll be sure to do that.

  35. GuQinPu

    on June 24, 2019

    Aw, this was a really nice post. In thought, I wish to put in writing like this additionally? taking time and actual effort to make a very good article? however, what can I say? I procrastinate a lot and on no account seem to get something done.

  36. door window alarms

    on June 23, 2019

    F*ckin’ tremendous things here. I’m very happy
    to look your post. Thank you a lot and i’m taking a look ahead to
    contact you. Will you kindly drop me a mail?

  37. Thomas Jameson

    on June 19, 2019

    It’s good to know that many car accidents are caused by texting and that you can easily make a legal case against it. My sister was injured in a car accident last week where the other driver was texting. I’ll pass this information along to her so that she can look further into her legal options.

  38. garrett superwand

    on June 19, 2019

    I like this site very much so much excellent information.

  39. Camille Devaux

    on June 12, 2019

    My sister is thinking about getting an auto accident injury service. She would love knowing that she should look for a service that will have a good policy. Finding an auto accident injury service that can offer a good way to get out of court unscathed and helped.

  40. Kate Welling

    on June 11, 2019

    I like how you said that a car accident attorney might be able to help us locate a local repair shop. This is great to know, especially since my husband just got in a car accident. It happened at a busy intersection! I’ll definitely look into finding a personal injury lawyer to help him out.

  41. Stefan Bradley

    on June 11, 2019

    It’s a shame that 40% of accidents are caused by irresponsible drinking, it really makes you worry about your family’s safety. My sister got into a car accident a few years ago and struggled to figure out exactly what to do after the accident. Knowing who to call and what to do next would have saved her a lot of time and prevented her from being too stressed after such a scary experience.

  42. diversion safe skintimate

    on June 10, 2019

    It is in reality a great and useful piece of info. I’m glad that you simply shared this helpful
    information with us. Please keep us up to date like this.

    Thanks for sharing.

  43. Sam Li

    on June 6, 2019

    I appreciate what you said about determining which party was at fault during a car crash. Working with a reliable injury attorney is vital if you have been hurt due to the fault of another. If I were to get hurt in an auto accident, I would find an attorney with a winning track record to work with.

  44. Shayla Cademis

    on May 31, 2019

    I didn’t know you could get compensation for things like losing a job, having difficulties with mortgage payments, or getting a divorce after an auto accident. My brother-in-law was in a car accident last week after another driver ran a red light at an intersection. He’s definitely had a few medical bills, but I’ll have to let him know he should be aware of other possible compensations. Hopefully we can help him find a good attorney in his area. Thanks for the info!

  45. Bob

    on May 30, 2019

    I love your personal injury lawyer tips. My father just got hit by a drunk driver. I’ll have to get him a lawyer so he can sue the guy to his last dime.

  46. What to Do if You are in an Auto Accident

    on May 30, 2019

    […] most auto accidents are minor and those involved are able to walk away with serious injuries. Here’s what you need to […]

  47. 4 Tips to Heed After Filing a Personal Injury Insurance Claim - Law Policy

    on May 30, 2019

    […] questions you might have regarding your claim or policy. For example, you might want to know about injury claim values at this stage, as you could be curious about the amount your insurance company will be paying out […]

Leave a Reply

Your email address will not be published. Required fields are marked *