Getting into a car accident can be a very traumatic experience. Not only do you face the possibility of getting injured in some way, needing medical treatment or some kind of therapy, but there can be a loss of wages, time away from family, and maybe even a psychological hangover from the accident. When another person is the cause of the accident, most believe that the insurance company will take care of them with all due diligence. After all, it wasn’t their fault that the accident occurred, so it would make sense that they would be treated with the utmost concern and care. At least, that is the way it would seem.
Insurance Companies Lookout For Themselves First
It is important for you to understand that the primary purpose of any insurance company is to make money. It is just like any other business, meaning that they are going to make decisions which are in the best interest of the company and its stockholders, and not necessarily about caring for you. While the insurance company will pay for the costs for your care, they will look to do so at the least costly price for themselves. This means that if they can cut some corners to save some money than they are going to do so.
It also means that the compensation that you will receive may be far less than what you need. If you are injured to the point that you may miss a sizable amount of time from work, the insurance company is likely to use a formula that saves them the most amount of money while giving you the least possible. The insurance company not only has teams of high-value lawyers, but they will have doctors, experts, and other professionals whose job it is to figure out a way to take care of you at the least amount of expense for the company.Why You Should Work With a Personal Injury Attorney
Where a lot of people make a mistake is that they decide to rely on the “professionalism” of the insurance company to care for them. Because they have been paying this money on a regular basis, they expect that the insurance company will look out after all of their needs, and this may not be the case at all. What is important for you to understand is that you need someone in your corner as well. You need someone to represent you who is going to look out after your rights and your long-term care, and this is where a lawyer can be vital for you.
By hiring a personal injury attorney, you have someone who fully understands the procedures involved in an action such as this. Someone who understands how insurance companies work, and is ready to go to bat for you to ensure that you get exactly what you need to have your needs and concerns taken care of. An attorney will represent you directly with the insurance company, so you don’t have to feel stressed or overwhelmed by the procedure itself. You can have someone deal directly with the company, ensuring that they answer questions and get all the necessary paperwork so that your action can be rectified in as quickly and efficiently as possible.
Don’t Let Yourself Get Taken Advantage Of
Some will forgo seeking the assistance of an attorney based upon their belief that because the accident was not their fault, they simply don’t need an attorney. Again, that seems to make sense but it is not the reality at all. The insurance company doesn’t care about whose fault it is. What they care about is how much money they may have to pay as a result of the accident. It is true that in some instances your insurance company may decide to seek restitution from the insurance company or from the individual who caused the accident. This can be a way for them to recoup the money that they lost in caring for you.
However, you cannot always count on this. In most states, including Arizona, your insurance company is first responsible for paying the costs for your care. This means that they will have to shelve out whatever cost is necessary to provide emergency medical care and treatment for you, as well as long-term care. If they can reduce those costs for themselves, then they are going to do so. In addition, insurance companies can be rather intimidating. They have a large group of professionals, men and women who know how to make a client feel like their needs are being taken care of all the while they are taking action which really isn’t in your interest at all. It’s a trap that many find themselves in, and is a huge reason why you need to find an attorney to assist you right away. This is not a situation to delay. You should be looking for someone to help represent you as soon as possible.
Call our Personal Injury team at (480) 467-4392 to discuss your case today.