9 Secrets Insurance Adjusters Won’t Share

Secrets Insurance Adjusters Won’t Share

After an accident, insurance adjusters will approach you, presenting a settlement and claim. They know that the process after an accident is overwhelming and, therefore, will seek to take advantage. Therefore, you should proceed with caution. There are more avenues and options that they present. 

That is why you should work with an injury attorney from the first instance. Consult an Idaho Personal Injury Lawyer at Litster Frost Injury Attorneys for legal advice and representation.

1. The offer may not cover all medical expenses.

It looks fair to the insurance company of the liable party to pay for all medical bills. However, they will not be open with you that their offer may not cover everything. There are injuries that will continue to cost you after you have made the initial payment. 

Some require occasional physical therapy. Work with an attorney to help you consider all costs, including those ones in the future.

2. You are eligible for more than one benefit.

The offer of insurance adjustors will include payment for medical bills and sometimes lost wages for the period you missed work. However, they will not want you to know that you are entitled to other benefits. These include pain and suffering. 

Idaho Personal Injury Lawyers will help you determine how much you should take for all damages incurred in the accident.

3. Signing medical information releases

You are not supposed to sign unrestricted medical records from insurance adjustors. An attorney will evaluate what you have signed or about to sign. They can also revoke signed releases if they will harm your case.

4. Meaning of insurance policies

Adjustors are happy to confuse you with different types of insurance. You may be entitled to benefits from different policies. They want you to confuse you so that you lose all the other benefits from other insurances.

5. You can get compensated without inconveniencing friends.

If a member of your family or a friend caused the accident, it is possible to receive compensation without causing them financial hardships. The claim will be against the insurance company and will not require anything from their pocket.

6. You can receive compensation without a trial.

With experienced personal injury attorneys, it is possible to get the highest value of a claim without having to go through a jury trial.

7. You cannot negotiate on your own

Insurance adjustors only want what is best for the insurance companies. Their aim is to compensate you with the lowest amount possible. You need the representation of an experienced and aggressive personal injury attorney to get the most out of your lawsuit.

8. It is okay not to use a family lawyer.

If your family lawyer is a general practice attorney, you will require another lawyer who practices personal injury cases. They know these cases in and out.

9. Insurances adjustors will advise against an attorney.

Insurance adjusters are there to make a profit. Therefore, they will want you to proceed without legal representation so that they make money from you. Instead, you should hire a lawyer to investigate, advise, and represent you until you are rightfully compensated. Schedule an appointment today with Litster Frost Injury Attorneys or call our offices at (208) 333-3333. Remember, you only pay after winning the case.


Additional Insurance Questions

How much is my case worth?

I have suffered injuries requiring medical treatment from this accident. How much extra compensation can I expect for the “pain and suffering” I am going through? Accident victims don’t realize that insurance companies already have money set aside to pay compensation for “pain and suffering” in most cases. This is in addition to payment for medical bills, lost wages, and car repairs.

How will you know if what’s being ordered is fair? The Boise Personal Injury Attorneys at Litster Frost Injury Lawyers have settled thousands of injury cases. Their guidance can be invaluable in making sure you get the maximum for your pain and suffering. Call today for a free consultation.

Can signing the insurance company’s information release damage my case?

I have received medical and property damage releases from the insurance company adjuster or other parties. Should I sign them without a lawyer? No! Releases for medical records or property damage should only be signed under limited circumstances. The attorneys at Litster Frost Injury Lawyers will evaluate what you have signed and are being asked to sign at no charge.

What Difference Does it Make Which Attorney I Use?

In the past, I’ve used a family attorney for wills or real estate transactions. Do I really need to work with an attorney who only practices in accident/injury law?

Most people would never consider going to their family doctor if they needed brain surgery. Likewise, when you take on a big insurance company, you require a team of experts on your side who have settled thousands of cases like yours. The attorneys at Litster Frost work daily with numerous insurance companies and keep current with specialized laws, court decisions, and regulations affecting accident/injury cases.

Can the bill collectors be stopped?

My medical bills are mounting and my good credit is being jeopardized. What can I do to stop the harassing calls and possible lawsuits and judgments?

In addition to your attorney, at Litster Frost, we have a highly specialized legal team that consists of medical billing experts and ex-insurance company employees who know the insurance company’s tricks. We can stop the harassing bill collector’s calls immediately! We can also negotiate with creditors and work to set up special arrangements to stop bill collectors and pay your medical bills directly from your settlement.

Injured by a relative or friend?

I was injured in an accident by a relative or friend. Can I still get a settlement without causing the driver financial hardship? Yes. Even if the accident was caused by a friend or family member, we can make a claim against the friend’s insurance policy only. Your friend or family member will pay nothing out of pocket and you can be fully compensated within the policy limits.

Injured by an uninsured or underinsured driver?

I was injured in an accident by an uninsured driver. My policy provides for uninsured and underinsured coverage, but I am confused about what is actually covered.

Every insurance policy is different, and missteps without a lawyer can damage your case. Our expert attorneys will review your policy at no charge! We will ensure you are protected and advise you on what you can claim under your specific policy. Another secret? Your own insurance company wants to pay as little as possible for your “pain and suffering.” Our attorneys will fight to get you the money you deserve.

Is the insurance adjuster’s offer fair?

I thought about negotiating my claim on my own. How can I know if the insurance adjuster’s offer is fair and reasonable?

You can’t. The fair settlement value of your case may be worth several thousand dollars. Remember, the adjuster works for the insurance company and is paid to negotiate and settle your claim for the lowest amount of money. Based on thousands of successful settlements, our experienced attorneys at Litster Frost can tell you the real value of your claim.

Will my case have to go to trial?

If I hire an attorney, will my case require a trial? No, even though you have the right to a jury trial in civil cases under the 7th amendment of the U.S. Constitution. Because of our experience and expertise, we at Litster Frost are able to settle most of our cases for full value without going to trial.

However, if an insurance company refuses to pay what’s fair, we will take your case to trial to ensure that you get the compensation you deserve.

Can the insurance adjuster limit the medical treatment I receive?

No. The insurance company is legally obligated to compensate you for reasonable medical treatment with the best medical care available, up to the limits of the policy. If needed, we can assist you in finding appropriate medical care. If you have no health insurance, we can work to get medical providers to hold their bills until your case settles.

Should I hire an attorney?

Why does the insurance adjuster say that they can resolve my case without involving an attorney? It’s simple: insurance companies don’t want you to know the fair value of your case. A study by the Insurance Research Council showed that, on average, people who hired an attorney received three and a half times as much money as people who didn’t hire an attorney.

The Insurance Research Council (IRC), an organization supported by property and casualty insurance companies, performed a study that compared the settlements paid to injured persons who hired lawyers with the settlements received by people who handled cases themselves. The IRC study showed that, on average, people who hired a lawyer received three and a half times more money in settlements than those who didn’t hire a lawyer.

Welcome to the Litster Frost Injury Lawyer Blog

Were you injured in an accident that was caused by the carelessness of someone else? Would you like to pursue collecting damages from the responsible party but fear that your attempts will be unsuccessful and leave you with substantial legal fees? If you are seeking the assistance of attorneys who will aggressively fight for your rights and will only collect a fee if your case is successful, then you should give the experts at Litster Frost Injury Lawyers PLLC a call.

Our law firm in Boise, Idaho focuses on representing clients in workers’ compensation and personal injury cases. Our record speaks for itself. Over 95 percent of the cases we take on are settled without a trial.

Our cases include:

We also represent clients who have been the victims of paralysis, burns, disfigurement, and dog bites. We will maintain an open line of communication throughout your case, will keep you informed of all developments, and will thoroughly discuss all of your options.

Pursuing Collecting Damages with a Personal Injury Attorney

People fear filing a lawsuit for two major reasons: they do not have an idea of the costs nor do they know how much the case will be worth. Every case is different depending on the type of injury and the liability of both parties. 

That is why an Idaho Personal Injury Lawyer is there to help walk with you every step when you file a lawsuit and pursue collecting damages. Schedule an appointment today to know whether you have a case. Remember, consultation is free.

The injury

The very first instance to occur is an injury of the plaintiff. Personal injury cases may involve a bicycle, motorbike, car accident, or slip-and-fall accident. The plaintiff must be injured to have a case before looking at the liability of both parties.

It is advised that plaintiffs hire attorneys to work with as early as this stage. This will avoid being taken advantage of by insurance adjusters and the defendant. The attorney will also handle all negotiations and investigations from this point onwards. If the plaintiff has a case, they will sign a fee agreement, and the case will begin.

Filing a complaint

The plaintiff’s attorney then files a complaint and serves it to the defendant. This is usually a formal document that includes the details of the injury, including how they were injured and what the defendant did that is against the expected standard of care.

Serving the defendant means physically locating them and handing them the complaint. It must be done in a way that can be verified in the future so that the defendant is aware of the claim. Mostly, this is done within one month. The papers also include the official date of appearing in court.

The defendant finds an attorney

After reading the complaint and the date to report in court, it is now the defendant’s responsibility to find themselves a lawyer. If they have an insurance policy, the process will be smooth for them.

If the defendant is insured, they will notify the responsible insurance company who will handle the rest of the case. This includes hiring and paying the attorney.

Pretrial stage

This is a simple process where both parties enquire about the evidence and witness of the other. They can choose to agree to arbitration or mediation at this stage or proceed to the trial. The court may choose to throw away the case if the plaintiff’s chances are almost impossible.

The lawsuit

The plaintiff has the main duty of proving negligence to win the case. They must also state the damage they seek compensation for. After winning the case, the losing defendant is legally required to pay for all damages.

Benefits of working with a personal injury lawyer

As discussed above, the process can be challenging to go through by yourself. Remember, insurance companies have an objective of making profits. Therefore, they will avoid paying the full claim or paying the claim at all. 

Experienced attorneys at Litster Frost Injury Attorneys are dedicated to investigating your case and handling everything until you are compensated. Schedule a consultation today or call the offices at (208) 333-3333.

Give us a call today to schedule a consultation.