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Things to Know About Insurance Companies

You may not have thought much about your insurance policy until you were in an accident. Until then, it it was something you paid for just in case, but now “just in case” has happened. Before you move forward with your claim for compensation, there are a few things you need to know about insurance companies.

When you’re preparing to file a claim, don’t let yourself get caught off guard. You need to be prepared for the insurance companies’ tactics and the directions your case could take. Here’s what you need to know about insurers:

They’re Not Always on Your Side

Although some insurance is required in Alabama, insurance companies are not always easy to get along with. Getting the correct settlement after your accident can be difficult, and the insurance companies might not be much help in moving the process along.

In some cases, the insurance company may just try to make you wait by denying or delaying action until it’s too late for you. Alabama law gives you only two years to act on a personal injury claim, which may seem like plenty of time at first, but it can leave you without a settlement if you’re not careful.

They may also try to offer you a much smaller settlement than what you truly need. This tactic is meant to fool you into thinking that’s all they can offer you. This leaves them with a much larger profit margin on your policy.

Their First Offer Isn’t Final

Fortunately, you do have the option to refuse this offer and demand a larger settlement. If the initial offer seems too small or you believe you deserve more, pushing for a better offer may be your only real option.

Getting a lawyer to assess your case and fight for what you’re owed can help, too. An attorney can calculate what your settlement should be worth and prove it to the insurance company.

They Don’t Want You to Hire a Lawyer

If you’re struggling to get a helpful response from the insurance company, you may need to take further action. The last thing dishonest insurers want is for claimants to team up with an aggressive personal injury lawyer. They know we won’t back down until we’ve gotten justice for you.

A lawyer from the Henry Dailey Law Firm can walk you through the things to know about insurance companies, including whether you’re getting a fair settlement and, if you’re not, how you can get the compensation you deserve.

For a free consultation with one of our attorneys, set up an appointment through the contact form below or give us a call at 205-995-2412. We know how difficult dealing with insurance companies can be, but we’re here to see you through it.


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