You’ve been in an accident of some sort. The accident was clearly the fault of the other person involved. You have been contacted by a representative from the at fault person’s insurance company, (he’s called the “insurance adjuster”), and you’ve been assured not to worry – that you will be taken care of. The adjuster took care of your property damage claim without issue. He may have even taken care of some of your medical bills. The adjuster seems to be a pretty nice guy or gal. Careful! You are in dangerous waters!!
The Goal of an Insurance Company: In its simplest form, an insurance company’s goal is simple – collect as much money in premiums from people like you and I, and pay out as little as possible in claims.
That doesn’t make insurance companies wicked or immoral. It does make them millions and billions of dollars though. The adjuster described in the paragraph above is part of that extremely profitable money making scheme. If he treats you well, makes you feel all warm and fuzzy inside, makes you feel like your needs are being met, and you do not need a lawyer to help you out, he is doing a good job for the insurance company he works for. Trust me. I used to work for a major insurance company.
What is an Insurance Adjuster? Ask yourself, “What does and insurance adjuster adjust?” The answer is “Risk.” If you are handling your own personal injury case against an adjuster who is in the business of risk adjustment, the risk to the insurance company he works for is minimal, no matter how smart you are. He’s in the business of insurance risk adjustment. You’re not. Advantage to the adjuster. If the adjuster is doing things such as getting recorded statements from you, not giving you good counsel about the best kind of medical treatment to obtain, then he’s most likely decreasing his company’s risk, thereby minimizing the real value of your claim. Again, he’s doing his job. That doesn’t make him wicked or immoral but he does have a large advantage over you.
Do I Need a Personal Injury Lawyer if the Insurance Company is Treating Me Well? I bet you think I’m going to say “Absolutely.” I’m not. You may not need a personal injury lawyer at all. In some cases, frankly, you may be better off without a lawyer. However, after an accident, you should definitely consult with a skilled and experienced personal injury lawyer.
At Willens Law Offices, as in most top-tier personal injury law firms, the initial consultation is free. Most personal injury lawyers, who practice with dignity, aren’t going to pressure you in to doing something you do not want to do. If he does, hang up and call another one. We’d be glad to speak with you regarding your claim.