1. Insurance Companies Want to Settle Your Case as Soon as Possible and for the Smallest Settlement Possible
Insurance companies will do all they can to discourage you (the claimant) from hiring an attorney. They will create a false sense of urgency to pressure you into acting as quickly as possible. As a result, more than 50% of all people in an accident don’t even bother to contact an attorney. They don’t bother to learn the information they need to get fair compensation and, as a result, they settle their cases for much less than what they deserve. Brian Hobbs Law is here to help you right now. Our firm is available to you 24/7. Just call JST-4ALL and let us start helping you today. And if your injuries are such that you can’t come to us … we’ll come to you.
2. Once You Sign a Release for Your Accident Case, Your Case Is Over Forever
Every day we hear stories about people filled with regret. A lot of people felt the pressure to settle their case quickly and took the couple thousand dollars the insurance company offered. And now they’ve realized that what they agreed to wasn’t enough. It wasn’t enough to pay their medical bills, to pay for their ongoing physical therapy, or make up for the wages they lost by having to take time off work to heal. Oftentimes, the full extent of your injuries may not be apparent until weeks later. What immediately feels like a sore shoulder is actually a torn rotator cuff and if you’ve already signed a release you won’t be able to recover the money necessary to pay for all your medical bills. It’s easy to get confused when you’re asked to sign a release. You may think you’re signing a property damage release when you’re in fact signing a full and final release that will prevent you from receiving full and fair compensation.
3. Insurance Companies Want You to Play a Game But Won’t Tell You the Rules
You need an expert like us on your side. You may have never been in an accident and now are trying to navigate your medical treatment, missing work, medical bills, and getting your car repaired, while still dealing with your job and family responsibilities all while negotiating with a billion-dollar insurance company. As nice as your insurance agent is, he’s not the person you’re dealing with now. No, now you’re dealing with the billion-dollar insurance company that has all the resources in the world and the ability to learn everything there is about you. Now you’re playing a game while depending on your opponent to tell you the rules. Don’t be surprised when they only tell you the ones that benefit them at your expense. This is why you need an expert you can trust on your side.
4. Insurance Companies Can (and will) Use Your Medical Records Against You
One of the first things the insurance company will do is to urge you to sign a medical release that allows them to obtain your privileged medical information about any health issue you may have faced, even if it’s completely irrelevant to your current injuries and case. The way they explain it makes sense. They want you to sign the medical release so they can verify your injuries from the crash before they pay for your injuries. What they are really doing is gathering information to use against you later in your case. Were you ever treated for alcoholism or drug addiction? They will give that information to their attorneys and try to use it against you. And by the way, YOU DON’T HAVE TO SIGN A MEDICAL RELEASE FOR THE INSURANCE COMPANY.
5. Insurance Companies Want Your Recorded Statement to Use it Against You
When I ask someone whether they gave a recorded statement to the insurance company, a lot of times the answer is, “Yes, but it’s ok, I just told the truth.” Of course, you have to tell the truth when making a statement, but you do not have to make a statement and there are some facts that the other party has no right to know. They’re trying to get you to admit to facts they can later use to question causation or to downplay your injuries. And if you have to make a statement (for example, to your own insurance company), we’ll be with you the whole time to protect you during the process.
6. Sometimes You Aren’t Immediately Aware of the Extent of Your Injuries
It’s natural to want to minimize your injuries and refuse medical treatment at the scene. A few days go by, however, and you suddenly start having back or neck pain, or headaches You may need to take some time off work. If you quickly signed off on a release you CANNOT sue to be compensated for medical expenses. When we represent you, we wait until you’ve healed as much as possible and know what your treatment and prognosis are before we negotiate your claim.