1. The insurance company is NOT on your side. Claims adjusters and insurance company lawyers are paid to minimize the money they pay out to claimants, even if it is your policy (as in the case with uninsured or underinsured motorist coverage). The insurance company works for its shareholders, not the people who pay their premiums.
2. After a serious car accident or truck accident, a claims adjuster, lawyer or investigator working for the insurance company is at the scene putting together evidence to support either denying your claim or minimizing the amount of compensation. For this reason, it is important to contact an experienced car or truck accident attorney to gather evidence and statements to help maximize your compensation.
3. Insurance companies and their employees will ask you questions designed to confuse you or to have you admit to something you don't fully understand that can be used against you in court. Therefore, you should not give any statements to the insurance company without first engaging an experienced attorney to represent you.
4. If the person who hit you does not have sufficient insurance coverage to cover your claim, and you have underinsured motorist coverage that exceeds that person's coverage, then you may be entitled to compensation from your own insurance company. We can help you make that determination.
5. Even though the insurance company may attempt to discourage you from retaining the services of a qualified car or truck accident attorney, they have high-powered lawyers protecting their interests and representing them. You should retain your own high-powered attorney to protect and represent your interests. It is much better to take advice from someone who is totally on your side as opposed to someone whose interests are in direct conflict with yours.
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