When it comes to the aftermath of a car accident, many legal decisions need to be made that have a direct effect on your finances. If the car accident was caused by another driver and you suffered injuries as a result, you can file a personal injury claim with the insurance company. An auto insurance company may offer you some compensation for your medical expenses and related damages. Be cautious about accepting this offer right away because many insurance companies offer unfair deals. Talking to an Oklahoma car accident lawyer can help you figure out how much more compensation you could be eligible for.
Auto Insurance Tactics for Confusion
Auto insurance companies have been known for years to use a variety of tactics to confuse customers about their benefits. The goal is to save money because, underneath all the brochures and policies, insurance companies are still businesses. Each time compensation is offered to clients for a car accident, the insurance company loses money.
The most straightforward way to avoid handing out too much compensation is to deny a claim entirely. Many of the most popular insurance companies, like Allstate and State Farm, deny claims that have sufficient evidence in order to save on their finances. Insurance company employees are even rewarded in some cases for denying claims.
Most people are already aware of how confusing insurance contracts, policies, and benefits are, but not everyone realizes that this is done on purpose. Complicated legal jargon is used in anti-concurrent clauses all the time in insurance contracts to trick people into thinking they are covered for certain damages.
Some claims adjusters will also delay personal injury claims. Older people are vulnerable to this tactic because some claims adjusters delay claims until the client passes away.
Should I Sue My Auto Insurance Company?
When you first submit a personal injury claim to the insurance company, expect the response to take time. However, if you have waited a significant amount of time, try calling your claims adjuster to ask about the status of your claim. You can also call the supervisor if you feel like your claims adjuster is putting off your claim.
Be careful about waiting too long because all states have a certain statute of limitations for claims and lawsuits. Consult with a lawyer to see if the delay might be for other reasons, like a lack of evidence or a request for an unreasonable amount of money. Your lawyer will also be able to tell you when a lawsuit is justified.
Bad faith laws protect people from insurance companies who deny or delay claims for no reason, fail to communicate, or refuse negotiation.
Oklahoma Personal Injury Lawyer
Consider hiring an Oklahoma personal injury lawyer if you are encountering problems receiving compensation from an insurance company. Insurance companies are required to uphold certain standards when it comes to personal injury claims. Call the Law Firm of Griffin Reynolds at (405) 721-9500 for a free consultation today. You could be eligible to receive compensation for medical bills, pain and suffering, and lost wages.