Call today for a Free Consultation! 1.800.208.3538 Available 24 Hours

Why you shouldn’t accept an offer directly from the insurance company

The insurance companies want to make every effort to get you to settle your case before you hire an attorney. If they think you have a good case or valid claim, they will offer you money to settle, but it’s typically much less than you deserve.

Take for instance a call one of my employees received from a potential client who had been paralyzed in a truck accident involving huge discount retailer. The individual was an employee pedestrian who had been struck by the driver who was backing up and pinned him against a loading dock. His case was worth millions and the retailer and its insurance provider knew it.

The injured man was poor, he had mounting bills to pay and found himself struggling to survive in the aftermath of his accident. The insurance adjusters knew how desperate he was and they flew to his home and offered him $300,000 to settle his case if he signed away his right to sue them. They brought with them medical supplies he desperately required to sweeten the deal.

The injured man knew in his heart that he deserved more so he reached out and called a personal injury attorney to ask what he should do. Despite advise to the contrary, the man decided to take the offer in front of him and settle his claim. The man’s medical bills were $180,000 so his net award was $120,000. This is a man who will never walk again and is unable to perform his job as a dock loader due to the loss of his legs. The retailer and its insurance company were off the hook for millions.

Insurance adjusters know you are at a disadvantage if you do not retain a lawyer to represent you in a legal claim. Most people do not know the value of their claim and may settle for a small amount because they think that’s all it’s worth.

A lawyer will demand the full policy limits to compensate you for your losses and if they refuse, will file a lawsuit on your behalf and the insurance company doesn’t want that to happen because they could end up paying more than their limits if the case is decided by a jury.

So what do you do to protect yourself?

First of all, never exaggerate your injuries suffered in a car accident. Always be truthful and don’t leave out any injury no matter how minor it may seem on that first visit to the doctor. The first time you see a doctor it’s important that you do not only focus on the worst injuries, but that you tell your doctor everything that hurts you no matter how minor.

The reason this is so important is the insurance adjuster will see all your medical reports and if you fail to mention an injury on that first visit they will try to decline compensation for that injury. They could argue that the injury was not caused in the crash. The reason they do this is to lower the value of your claim so they don’t have to pay you out as much as your case is worth.

Next, it’s important that you find legal representation if you are injured in a car accident. You are at a disadvantage if you attempt to negotiate with an insurance adjuster directly because you don’t know what your rights are or the value of your claim and they do.

James Johnson, founder of Johnson Attorneys Group, has handled thousands of personal injury and wrongful death claims on behalf of clients from all walks of life.

“Typically, an individual who is represented by a lawyer is likely to obtain 3.5 times more compensation than one who works directly with an insurance adjuster,” Johnson said. “You have a right to be made whole again after being injured in a crash.”

A consultation with a personal injury attorney is always free of charge and if you decide to hire Johnson Attorneys Group there are no attorneys fees unless we are able to obtain a settlement on your behalf. Call us today at 800-235-6801.

Free Consultation

  • This field is for validation purposes and should be left unchanged.

  Your information is never shared.

News Archive

Every personal injury case is unique and many factors are used to value each case. The losses from your claim include the amount of the medical bills, lost wages, pain, and suffering, etc. The most important factor is your life change resulting from the injury. Typically, the larger the injury and life change, the larger the settlement. We discuss your personal injury claim’s worth during your free consultation. Call for a free consultation 800-208-3538, or complete the form below >
The first thing you should do is contact an attorney. Without the representation of a lawyer, insurance companies might make contact with you directly, and since they are trained to protect their best interests, this could mean a loss of rights on your behalf, especially if you unknowingly sign something that they didn't completely explain to you. Call for a free consultation 800-208-3538, or complete the form below >
The length of a personal injury case depends on many factors including the evaluation and treatment of the injury. The bigger the injury, the longer it takes to treat. Attorney James Johnson helps you be aggressive with the treatment, so the average case normally takes between two and five months. Those who have serious injuries and need surgery may take several months longer. Call for a free consultation 800-208-3538, or complete the form below >
Many victims believe if you don't have health insurance you don't have a case - this NOT true. In fact, those with health insurance usually don't use it since there are so many restrictions and steps to overcome to receive authorization for treatment. Johnson Attorneys Group assists you in finding the best doctors to help. Most of them even wait until a settlement for payment. Call for a free consultation 800-208-3538, or complete the form below >
Handling a personal injury claim by yourself is very difficult. You will deal directly with the insurance adjuster who is often trained to obtain the information they are not entitled to use. This information can negatively impact and de-value your case. Once your case is damaged, it is very difficult to repair it and usually costs you thousands of dollars less in a settlement. Call for a free consultation 800-208-3538, or complete the form below >
You do not pay anything unless you win. We work on a contingency-fee-basis, so we’re only paid if we win your case. When the case is settled, our fee is a percentage, as previously agreed, of the final settlement. These fees are described in full detail in our signed contract before work begins on the case. We cover the case upfront costs including everything from copying and court filing fees to hiring experts - so all your focus can be on getting well. Call for a free consultation 800-208-3538, or complete the form below >

What Our Clients Say About Us

We are passionate about good service and the attorney speaks to every client. Our focus is on your medical care and overall wellness.
Here are a few of our client's testimonials:

Connect with Us

Free Consultation

  • This field is for validation purposes and should be left unchanged.

  Your information is never shared.

Copyright © 2018, Johnson Attorneys Group.   All rights reserved. | News | Disclaimer | Privacy | Sitemap | Designed by SEO Pros

James Johnson is responsible for this advertisement.

Pin It on Pinterest