Why is the insurance company denying my claim when their insured rear ended me?

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In years of representing countless personal injury victims from car wrecks, this is one of the more common questions.

Clearly there is an accident. Clearly the other driver ran into the back of you. Clearly you were hurt and went to the hospital.

You gather your medical bills and send those to the adjuster for the guy who smashed into the back of your car.

The insurance adjuster, who seems like a nice guy, promises that he is going to review all this information and look through your medical records and then make you a fair deal. Of course you do not need to talk to a lawyer because he is going to take care of you.

You then become very surprised when he tells you that despite all the treatment that you have had and the time off from work that he can only offer you $1,500.00.

What just happened?

Here’s the deal. We must always remember that insurance adjusters do not work for us and are working for the person that hit us but instead they work only for the insurance company.

No matter how nice they may seem, they are not on your side. They are not your good neighbor. They are not your friend. You are not in their good hands.

Truth be told, they are not even any of those things for the guy that hit you. He may very well want the case settled but the adjuster and insurance company are quite willing for him to face a trial and potentially get a judgment which will stay on his credit report for many years.

The only person the insurance adjuster is working for is his or her insurance company and their primary goal is profits.

There is nothing wrong with an insurance company making money but you should never be deceived about where the loyalty lies – it’s not with you but instead it’s with paying you as little as the insurance company can possibly get away with.

If you’ve been a wreck, and it was the other person’s fault, then go in with your eyes open wide that you may very well have a battle on your hands. Here’s the solution:

1. Document everything as thoroughly as possible. Every medical visit, every phone call, every email, how you were feeling every day, etc.

2. Educate yourself on your rights. Most good personal injury lawyers will have free materials for you to review to help educate yourself so that you can make the right decisions. Get those materials and study them.

3. After you have reviewed the materials, then it is probably worth your time to have a free consultation with a personal injury attorney in your area.

4. Don’t give up. Understand that there will be difficult times but be willing to press forward if you are not getting a fair settlement offer from the insurance company.

I hope this has been helpful to you and if you live in Alabama and have any questions please feel free to call us at (205) 879-2447 or through this website. You are also welcome to receive our free book: “Alabama Car Wrecks – 7 Ways To Lose Your Credibility Which Will Cause You To Lose Your Case” – just let us know if you would like this.

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