Our Truck Accident Lawyers Explain Why You Should Never Trust the Insurance Company After an Accident
Its simple advice that’s been proven time and time again in the many cases our Law Offices has seen over our twenty years or practicing law: Don’t trust the insurance company. You may have already gone through a negative experience with an insurance agent or insurance company.
On the other hand, maybe you’ve never had to deal with an insurance agent and aren’t aware of the possible pitfalls that can occur when seeking compensation for a claim. In either case, there are many instances where the interests of the insurance company often outweigh your best interests. In other words, some insurance agents might not be quite like a good neighbor. Because insurance agencies are still a for-profit business, this often means that, if an insurance agent can deny our greatly lessen your claim, they stand to save their company the most amount possible. In other words, your loss is often their gain. OurTexas truck accident law firm provides the following story as proof that you shouldn’t automatically trust the insurance company.
When An Insurance Company Takes Advantage
As an example of the statement, “Don’t trust the insurance company,” a woman once contacted our Law Offices after her husband and the father of her children was killed while changing a flat tire on the side of the road by a reckless 18-wheeler driver. Because the truck driver knew he was at fault, he contacted his company, and his company subsequently contacted their insurance company. This insurance company then quickly deployed a team of highly trained professionals, involving accident recreation specialists, defense attorneys, and top-notch insurance agents, to the field in order to pursue all possible routes towards vindicating the negligent driver. However, this team was unsuccessful at disproving the driver’s fault at the scene of the accident.
But insurance agencies, especially in the case of accidents involving 18-wheelers where large sums of money are on the line, seldom give up so easily. Employing an oft-used tactic that preys on the emotional vulnerability of those in the initial stages of the grief process, this particular insurance agency sent an agent to visit the recently bereaved woman while she was at the morgue identifying her husband’s body. Hoping to catch her during this understandably difficult time, the insurance agent was attempting to get her to agree to a settlement offer that was far less than fair. Fortunately for the woman, her brother was also there and was able to escort the offensive insurance agent away from his sister. This is a common tactic that often results in an aggrieved party agreeing to a less than fair settlement because they were not in the right emotional or mental state to make a rational decision regarding their legal rights. If you ever happen to be in the same circumstances, it’s in your best interest to contact competent legal help before agreeing to any settlement offered by an insurance agent. As a reminder, it’s best to have a healthy skepticism when it comes to what an insurance agent may be offering you, or, in other words, don’t trust the insurance company.
The sage continues. The lady who lost her husband because of a negligent truck driver simply wanted fair compensation in order to take care of herself and her three children in light of her husband’s death. Assuming that this was quite fairgrounds for compensation, she agreed to later meet face-to-face with an insurance adjuster. This seemingly innocuous meeting would eventually be the undoing of any possible legal remedies she could have sought in a wrongful death lawsuit.
For starters, the insurance agent blatantly lied to her that she would only receive compensation for her husband’s lost wages if she chose to sue the insurance company. The agent was fully aware of his lie, but the woman believed he was telling the truth. The truth was that many different types of damages could be sought in such a case, including loss of future earnings, which would have likely greatly increased the amount of compensation this lady could have received. Because she believed the insurance agent honestly had her best interests at heart and was telling her the truth, she stood to lose a sizable, and justly due, amount of compensation because of her innocent and trusting nature. Since she was under the impression that this was the only way she would ever receive any type of compensation, and that this would be the only way in which she’d be able to take care of herself and her family, she was on the brink of signing the insurance agent’s prepared papers in order to agree to the settlement.
However, she still had some misgivings about the situation and asked if she could speak with a lawyer before signing the papers. Rather quickly after that moment, an attorney arrived at her door, looked over the papers, and agreed that the settlement was fair and likely all she would receive. Because of this “outside” source of knowledge, she signed the papers, agreeing to a paltry settlement that was far less than what was fair or necessary for her to able to provide for herself or her family. What she was not aware of in this particular situation was the fact that the lawyer who happened to appear at her house at the right time was in fact hired by the insurance company to do exactly what he did. In other words, the “outside” attorney was in fact “on the inside” and was going to always agree that the settlement was just and all she could hope for. Her innocence in dealing with insurance companies was taken advantage of, and she wound up losing immense amounts of possible compensation because of it.
Unfortunately, by the time the wrongful death attorneys at our Law Offices had been contacted by this woman and told about her case, we were unable to assist her as she’d already signed proper documentation. By accepting a settlement, she was then legally prevented from bringing a lawsuit against the negligent driver’s insurance company. Had she contacted us at anytime prior to signing the dotted line, we would have likely been able to help her see all of her possibly legal remedies, and she would have known that she should have likely been compensated for her husband’s loss of future earnings, her own pain and suffering, and funeral expenses. She could have stood the chance to have received over a million dollars in compensation for everything she had been through. However, because of the often unscrupulous and unethical tactics of some insurance companies, and because she believed the lie that her best interests were being looked after by these insurance companies, she wound up with a settlement that included only a few years of her husband’s lost wages that eventually devolved to a measly $600 per month once her children became independents. The sad but true conclusion to this story isn’t that she lost so much, but that the insurance adjuster involved likely received a raise, a bonus, or a promotion for what they did.
Get Legal Help from our Law Offices Before Dealing with an Insurance Company
Don’t let what happened in the story above happen to you. By contacting our Law Offices quickly in the aftermath of a personal injury, auto accident, or wrongful death case, you can be sure that will work assiduously to protect you from the sometimes unethical treatment and tactics used by some insurance companies. Especially as the stakes of an accident case escalate, such as in the event of wrongful death, it’s vitally important to have experienced legal help on your side to ensure that insurance companies are held liable for the policies they provide to their clients and for their clients’ negligence. Our Law Offices have two decades’ worth of experience in personal injury and wrongful death law, as well as a proven track record of success in seeking full and fair compensation for our clients. Call us for a free consultation, especially if you think you might be in over your head dealing with an insurance company. We will listen to the details of your case and inform you as to your possible legal remedies for compensation. Above all, remember one thing: Don’t trust the insurance company. They may not always be on your side, but the Texas personal injury and wrongful death law firm attorneys from our firm are.