While many insurance providers take great pride in their customer relations, always investigate claims in a timely and thorough manner, and only issue fair settlement offers, an alarming number of insurers are not so conscientious. This can have devastating consequences for accident victims who may be unaware of their own rights during the insurance claims process or could end up becoming the victims of unfair and illegal bad faith insurance practices. One of the best ways to avoid this is to seek advice from an experienced Western Springs personal injury lawyer who will be in the best position to protect injured parties from unscrupulous insurance adjusters.
Your Agenda and the Insurer’s Agenda Aren’t the Same
It’s important to remember insurance companies are a business and make money by accepting policyholder premiums and then paying out as little as possible on any subsequent claims. Unfortunately, this means if a policyholder collects the benefits that he/she deserves after an accident, his/her insurer will be losing money. This can act as a motivation for an insurer to offer an unfair settlement offer or to entirely deny a claim, decisions that an injured party could be forced into accepting due to financial necessity or a lack of awareness of their rights.
Insurers Use Fine Print Stipulations
For the most part, businesses who enter into contracts with clients can make the terms of those legal agreements as complex as they wish. Unfortunately, this means an individual who is signing a contract is not always aware of the fine print stipulations to which he/she is agreeing. Insurers often make use of these types of provisions to deny a claimant’s attempt to pursue a claim or a payout for an injury. However, there are requirements with which insurers must comply when issuing denials, making it especially important for injured parties to speak with an attorney if their accident claim was unfairly denied.
Insurance Companies Can Drag Out Negotiations
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Some insurance companies intentionally move slowly when investigating and denying or approving claims. By doing so, insurers hope claimants will become so frustrated, impatient, or desperate they will accept the first offer issued by the insurer – even if that offer is too low. An experienced personal injury attorney can ensure insurance companies comply with state deadlines and are held accountable for failing to offer fair settlements.
An Insurer May Use Bad Faith Practices
Some insurers go to great lengths to avoid paying claims. Strategies include everything from delaying an investigation in bad faith and using certain doctors to justify the denial of medical coverage to failing to conduct a thorough investigation or otherwise engaging in unreasonable practices. This type of conduct is unlawful in Illinois, but many claimants are unaware of this and so they miss out on fair settlements following an accident.
Schedule an Initial Consultation with a Personal Injury Lawyer
To speak with a Western Springs personal injury attorney about your own accident claim, please call Mary Ann Covone, P.C. Attorney at Law at (708) 246-4911 today.