You Need a Lawyer to Process Your Insurance Claims Correctly
Insurance companies are for-profit enterprises; they stay in business because income (premiums) exceed expenses (claims paid). And, before you ask, so-called “non-profit insurers” are also for-profit businesses, they just use their profits differently; if they don’t profit, they close up shop, too.
Therefore, they may offer a settlement well below what you think it should be. You’ve paid for protection, your insurance claim for your auto accident or other injury is the demand for that protection. There are several ways in which an expert like the Morgan Law Firm can help see that your rights are protected:
#1 — Deal Professionally with Professionals
In talking to insurance company employees, be polite, be firm, be clear on what you want. Sending emails instead of making phone calls means there’s a documented record of your discussions — and how long it takes for them to respond. Your lawyer can advise on what questions to ask and how to interpret the answers.
#2 — Should the Lawyer Do All the Talking?
No, you can use your lawyer strictly as a resource and, while the insurance company is playing nice, this is good. Remember, once you say, “My lawyer will be in touch”, you have changed the game dramatically, from possibly cooperative to definitely adversarial.
#3 — If They Try to Be Unfair, Do I have to Sue?
No, you have options which offer you due process out of court. In a “mediation”, a third party (with nothing to gain or lose regardless of which side wins) works with the insurer and the insured to reach a sensible settlement both can accept. In an “arbitration”, the arbiter collects facts and issues a decision, like a judge. You and your insurer, before entering into arbitration, choose “non-binding” which, essentially, means you’re in mediation — or “binding”, which means both agree to accept the arbiter’s decision. If you choose these options, your lawyer may have experience with specific mediators and arbiters to help you choose a qualified professional.
#4 — When Should I call a Lawyer?
As soon as possible. Deal with any injuries, take photos of the accident scene, talk to the police and witnesses, make sure you are okay, then call us. A small misstep at the beginning can take a lot of time and effort to correct later on.
With offices in Idaho, and Utah, the Morgan Law Firm will get you the best settlement we can on your auto accident insurance claim, and we’ll do it as fast as we can.
This website is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.
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5.0/5.0The team at Morgan Law Firm is absolutely amazing. Every person working there was professional, warm, helpful, patient and made me feel comfortable and important. Dave Morgan and Charles Gruber went above and beyond, not only being dynamite attorneys...
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I was unenthused, to say the least, about dealing with a personal injury attorney and figured my out-of-state accident was one of those bizarre things that I just had to accept and move on from. Wow!! Was I wrong!!! Mr. Morgan was recommended to me, ...
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I went to see Dave Morgan when I had an automobile accident. The insurance was slow to pay the bills. Dave quickly filed papers and the matter was handled efficiently and in short time. I highly recommend the Dave Morgan firm.
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I was scared when I was hit and nobody was there for me and I was still in pain. I didn't want to go with a lawyer on TV. So I looked around online and found the best lawyer! I was very lucky to find Attorney with great compassion and understandin...
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5.0/5.0
I have known Dave Morgan for several years. He was very knowledgeable and assisted me in my legal needs quickly and compassionately. He is a man of high integrity and a strong sense of right and wrong. I highly recommend him.
