The insurance company adjuster is calling you, and they want to “talk.” Do you answer?

The insurance company adjuster is calling you, and they want to “talk.” Do you answer? No. Ok, you can answer the call. But there is no need to tell the insurance company anything. The insurance company is calling you for one thing. To figure out how they are going to minimize any payments to you. That goes for the other driver’s insurance company, as well as your own insurance company. Yes, your own insurance company knows there is often a chance they will have to pay you for your injuries as well. If you carry Uninsured Motorist Coverage, your company may be on the hook to compensate you for your medical bills and pain and suffering. So when your own adjuster calls you, go ahead and answer. But be very careful what you say. Eventually you may be required to give a statement under the terms of your policy. But … Read More

Beware the full and final settlement

Beware the Full and Final Settlement In Your San Diego Injury Case If someone damaged your car, their insurance company may offer to settle your claim directly with you. In my experience their offer is usually much lower than what you deserve. That’s just how they operate. So oftentimes, a dispute will develop between the car owner and the insurance company. The insurance company may try a trick where they offer you a lower amount, and then send you a check in that amount. If you disagree with the amount they want to pay you, be careful in accepting and cashing any check sent by the adjuster. Make sure you take a look at the check, and look for words such as “Full and Final Settlement” or “Payment in Full” or any other words that resemble these. This is important because if you cask that check, and the check contains these words, you … Read More

When does hiring a lawyer increase the value of a San Diego personal injury case?

When does hiring a lawyer increase the value of a San Diego personal injury case? Studies by the Insurance Research Council (an insurance organization) consistently show, injured victims who hire attorneys to represent them in their car accident cases, recover 40% to 350% more than those who don’t. Why? Because insurance companies hire adjusters to pay you as little as they can get away with. So if you don’t hire an attorney, they will often refuse to pay you reasonable value for your injuries. Without a reasonable threat of a lawsuit, they will offer unreasonably low amounts, hoping you get frustrated and settle. Unfortunately this happens enough for them to keep with this strategy. When hiring a San Diego personal injury attorney doesn’t help There are times when perhaps hiring a lawyer will not help. When the accident, injuries and medical costs are relatively minor, you might not gain a financial … Read More