It is a risk we carry every time we take out the car from the garage. It is a necessary evil that we have to drive and negotiate the traffic, sometimes errant drivers too. It is for this purpose that we put a price on ourselves and call it insurance.
Personal injuries that arise out of an accident can be dangerous and sometimes fatal too. The injuries might remain with the injured for the rest of his life and prevent him from discharging normal daily activities. It is better to be prepared than be sorry, and get a suitable cover should a car, truck or motorcycle accident occur. This coverage comes at a cost and that is called the premium.
Insurance business is one such business where paying customer is not always the king. It is the premium that we pay that these insurance companies survive on, but their profitability depends on the margin that remains after providing for claims from the collective premium pool. In order to increase profitability, which is the ultimate goal of every single for-profit business, insurance companies have to either increase the size of premium pool or reduce the burden of claims. They do both!
Claiming from your insurance company is like a game of basketball. Every time you raise your head to aim for the hoop, the opponent tries to snatch away the ball. The only difference here is that you don’t even know that the insurance company is your opponent! Insurance company doesn’t represent you, the premium paying customer, but its shareholders. They have a battery of adjusters and lawyers on payroll who are experienced in minimizing the claims. They are trained in collecting evidence and taking statements from the injured that can be used against them later. They also coax you to settle early, which usually means settle for less.
Soon after meeting with an unfortunate accident, the first wise move to make is contact an experienced personal injury lawyer. It is proved that victims that are represented by experienced lawyers often get higher compensation than who are not, even accounting for their fees. Experienced personal injury attorneys, like the attorneys on board of insurance companies, have been there and done that. Taking them on your side levels the playing field. It is always reassuring to have someone experienced on your side than to negotiate with those whose interests are directly in conflict with yours. Personal injury lawyers do not let you settle early and for less, and if need be, take the insurer to courts. Even lawyers who do not practice personal injury law take help of an experienced personal injury attorney to fight their own motor vehicle accident case.
The Hoffmann Law Firm, L.L.C. is a St. Louis, Missouri, personal injury law firm, with nearly 15 years of experience. Attorney Chris Hoffmann of Hoffmann Law Firm only represents motor vehicle accident victims. Experienced personal injury attorneys at the law firm offer free consultation and can be reached day or night at their 24-hour helpline 314.361.4242 or toll free 866.763.6433. The firm handles all cases on a contingency basis, that is, no-win no-fee basis. This goal of the law firm puts them alongside your interests than the insurance company’s, which is in direct conflict.