If one were just to accept the information provided by commercials at face value, it would be easy to believe that insurance companies always do what’s best for people who get hurt and need coverage. Multiple companies employ massive annual marketing budgets intended to make consumers feel like they can trust these multinational corporations in their most desperate and vulnerable moments.
People often jump into the claims process, thinking they can quickly get the compensation they need, partially due to what they’ve heard about the integrity of the insurance companies involved. Unfortunately, those who don’t have the right support when working through a personal injury claim often find themselves at a significant disadvantage throughout the process. Why is having legal representation so important for those who have recently been hurt as the result of the actions of another party?
1. Most people don’t understand the law or insurance in detail
There are numerous state statutes that may apply to different personal injury scenarios. The terms of individual insurance policies can also be confusing and even misleading when someone who doesn’t understand the industry tries to review policy documents.
People often need help establishing what kind of coverage they have available and whether they may be in a position to pursue a personal injury lawsuit. Especially in scenarios involving severe injury from a car crash and state-mandated insurance coverage, people may need help determining what options they have.
2. Putting a price on an injury is a challenge
Some people are far too literal and short-sighted when attempting to put a price tag on an injury. They might accept an unreasonably low settlement or forego a lawsuit because they have not factored in future lost wages or the cost to replace their services around the house.
Whether someone needs to push for the maximum amount of insurance compensation possible or pursue a civil claim, which requires requesting a specific amount in damages, it is typically important to have a realistic understanding of the true financial impact of a crash. A lawyer will be able to help someone evaluate the full economic impact of a personal injury.
With the right support, securing adequate compensation becomes a much more feasible goal. Learning more about personal injury claims can benefit those who are struggling with bodily injuries or property damage losses in the wake of an accident or another preventable injurious scenario.