Articles Posted in Massachusetts Automobile Insurance

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How Insurance Companies Value Personal Injury Cases

How insurance companies value personal injury casesAlthough no two insurance companies have the same approach, there are some common elements on how insurance companies value personal injury cases.  Here are some, but not all of them:

1) Is liability on the part of the insured person(s) or company clear, and if not, is there any liability at all? An example would be a a slip and fall accident claim.  The insurance adjuster will closely analyze and evaluate whether or not the insured could be considered negligent in causing, or contributing to the accident.

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Each and every day Massachusetts auto insurance companies, upon learning of an auto accident in which they may have to pay out money damages, will send an insurance adjuster to the home of the injured party and attempt to have him/her sign a release.  The insurance adjuster shows up, big smile, and explains there is no need to get a lawyer.  Then, as is very common, the adjuster will offer some small money, maybe $500, maybe $1000, to the injury victim in order to settle the case as quickly as possible. 

This scenario gets me upset - and I see it all the time - because most people, after an accident, don't know their rights, unless he/she first speaks with an attorney.  The insurance adjuster know this, and capitalizes on it, in order to save the insurance company money (better for the insurance company to get rid of case fast before it has to pay out much more money when an attorney becomes involved in the case).

By signing a release without first speaking with an attorney basically guarantees that you are severely limiting your rights and potential compensation.  Do not sign ANYTHING the adjuster gives to you.  When the adjuster (still with the big smile) tells you there is no need to get a lawyer, tell him or her that you disagree.  End the meeting, and find a lawyer to consult with about your rights, should you be injured in a car accident in Massachusetts. 

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Each and every day Massachusetts auto insurance companies, upon learning of an auto accident in which they may have to pay out money damages, will send an insurance adjuster to the home of the injured party and attempt to have him/her sign a release.  The insurance adjuster shows up, big smile, and explains there is no need to get a lawyer.  Then, as is very common, the adjuster will offer some small money, maybe $500, maybe $1000, to the injury victim in order to settle the case as quickly as possible. 

This scenario gets me upset - and I see it all the time - because most people, after an accident, don't know their rights, unless he/she first speaks with an attorney.  The insurance adjuster know this, and capitalizes on it, in order to save the insurance company money (better for the insurance company to get rid of case fast before it has to pay out much more money when an attorney becomes involved in the case).

By signing a release without first speaking with an attorney basically guarantees that you are severely limiting your rights and potential compensation.  Do not sign ANYTHING the adjuster gives to you.  When the adjuster (still with the big smile) tells you there is no need to get a lawyer, tell him or her that you disagree.  End the meeting, and find a lawyer to consult with about your rights, should you be injured in a car accident in Massachusetts. 

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This story is from today's edition of BostonGlobe.com:

After fall, insurers’ auto rates up again

New competition isn’t guaranteeing price cuts

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I found a great answer to this question over at the Texas Injury Law Blog.  Here it is:

If you have been injured in an accident, you may benefit greatly from the services of a personal injury lawyer. First and foremost, a personal injury lawyer can determine whether or not you have a case. Your attorney will be able to determine who was at fault for your accident and inform you of whether you have a strong basis for a personal injury lawsuit.

A personal injury attorney can help ensure that you do not lose your right to bring your claim by making sure you file your personal injury lawsuit before the statute of limitations has run. Your lawyer will be an expert on Texas’s personal injury law and can make certain that you do not lose your legal right to compensation because of a procedural error.

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I found a great answer to this question over at the Texas Injury Law Blog.  Here it is:

If you have been injured in an accident, you may benefit greatly from the services of a personal injury lawyer. First and foremost, a personal injury lawyer can determine whether or not you have a case. Your attorney will be able to determine who was at fault for your accident and inform you of whether you have a strong basis for a personal injury lawsuit.

A personal injury attorney can help ensure that you do not lose your right to bring your claim by making sure you file your personal injury lawsuit before the statute of limitations has run. Your lawyer will be an expert on Texas’s personal injury law and can make certain that you do not lose your legal right to compensation because of a procedural error.

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Hit And Run Auto Accidents In Massachusetts

Suffering from back pain or neck pain, or other injuries after a hit and run accident that was not your fault?

Hit and run automobile accidents occur each and every day in Massachusetts.  This means the driver(s) that caused a car accident cannot be unidentified.  If you are the victim of a “hit and run,” you may be concerned about how your medical bills, lost wages, amd pain and suffering will be compensated.  Do not worry because you are not high and dry.  As stated in previous posts, Massachusetts requires all drivers to carry uninsured motorist coverage as part of their auto insurance coverage.  The required minimum in Massachusetts is $20,000/$40,000.  The $20,000 applies if only one person is injured, and the $40,000 applies when one more than one person is injured in the “hit and run” motor vehicle accident.

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Helpful Tips for Those Going Through the Insurance Claims Process

The aftermath of an auto accident, slip and fall, injury at work, or any other injury causing event can cause great stress to not only the injury victim, but also to his or her family.  Oftentimes, the experience of going through the personal injury claim process can be just as anguishing as the personal injury event that lead to the claim.

In order to make the aftermath just a little easier for you, here are my tips to those who have an attorney and are going through the typically frustrating and lengthy personal injury claim process:

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If you were involved in a car crash in Massachusetts, the insurance company that insures the car you were in at the time of the accident will pay for your lost wages.  The lost wage claim is part of your PIP (Personal Injury Protection), first-party claim with the insurance company.  This is part of the no-fault insurance system that we have here in Massachusetts. 

The insurance company  – for the car you were in at the time of the accident - will pay for up to 75% of your lost wages.  Remember that PIP payments will not exceed $8000.00.  Good luck.

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