Will My Car Accident Lawyer Deal with the Insurance Companies for Me?

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If you were involved in a collision, a car accident lawyer can help you deal with the insurance companies so that you do not have to do it on your own. Insurance companies lead policyholders on to believe that they put their interests and needs first and are merely there to protect them after an accident. However, they are insurance companies and operate for a profit. So, the companies are looking for ways to reduce the value of a claim just to save some money.

Aside from this, insurance companies can also be difficult to deal with, especially when you are filing a third-party claim, which is a claim that is filed with another driver’s insurance company.

If you are looking for more specific information that addresses the question of whether a car accident lawyer will deal with the insurance companies for you, read on.

What Your Lawyer Will Do for You

Whether this is your first accident or third, you may be unaware of what your rights are as a policyholder or claimant—as well as what your injuries or damages are worth. Insurance companies are aware that a majority of the claimants they help do not actually know what they should be paid for or if their claim is being handled properly. So, the insurance carrier might take advantage and either undervalue the claim or deny it. However, when a car accident lawyer is brought on board to deal with the insurance companies on your behalf, there is a lot the carrier will not be able to do.

Here are a few ways a car accident lawyer will deal with the insurance companies on your behalf:

Serve as a Liaison Between You and the Other Driver’s Insurer

If you are filing a claim with another party’s insurance carrier, a car accident lawyer can speak to the insurer on your behalf when it comes to claim-related matters. One reason why this benefits you, the claimant, is that you will not have to provide a statement to the insurer that can later be used to reduce the value of your claim. Insurance companies often look for ways to avoid taking responsibility for a claim, and they start by collecting statements from the parties seeking compensation. Unfortunately, many car accident victims are unaware of how a simple statement can be flipped and used to reduce their settlement.

Gather Evidence that Supports Your Claim

Before an insurance company will offer any amount of money to a claimant, they need to be sure coverage is available and that the claimant is entitled to it. Sometimes, companies will require that evidence be provided that proves you were not at-fault or only partially at-fault—and that the injuries you suffered are real and impacting your life.

As an injured party, you should be aware of Illinois’ comparative negligence law, per 735 ILCS 5/2-1116, which states that if you share some of the blame (i.e., 50% or less), you are still entitled to recover compensation. However, your award, if any is provided, shall be diminished by your percentage of fault.

Identify When the Insurer Is Not Handling Your Claim Properly

After an insurance company receives a claim and determines coverage is available, the Illinois Department of Insurance says that the insurer is required to:

  • Replace the property that sustained damage;
  • Repair the damaged property; or
  • Pay the claimant for the loss in cash.

Sometimes, it can take a claimant a little longer to determine how much they have accrued in medical bills as their care may be ongoing. If a claimant is ready to settle the property damage portion of their claim but not their bodily injury claim, the company cannot “refuse to pay your agreed-upon property damage claim,” according to the Illinois Department of Insurance.

Aside from addressing this issue, a Chicago car accident attorney can also intervene if the adjuster denies coverage or delays settling your claim.

Negotiate with the Insurance Company When the Settlement Is Too Low

If the insurance company offers you a settlement that does not quite cover your damages, a car accident attorney can determine if more coverage is available. They can also negotiate with the insurer until the settlement seems fair. If the policy does not provide coverage, you can discuss with your lawyer whether filing a personal injury lawsuit against the other party is an option.

Call the Kryder Law Group Today to Get Started

Your car accident lawyer will deal with the insurance companies for you when you work with The Kryder Law Group. If you were recently involved in a car accident in Chicago, IL and are looking for a car accident lawyer to deal with the insurance companies for you, you should contact us at (312) 223-1700. We can help you file a claim with your insurer and then handle all dealings with the company so that you can spend your time working toward recovering.

chicago car accident lawyer will my car accident lawyer deal with the insurance companies for me
chicago car accident lawyer will my car accident lawyer deal with the insurance companies for me

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