Simple reason: the insurance companies like to hold onto their money.
Think about it: You’ve been in a wreck. Like many of our clients, you’ve never been hurt in a car wreck (or any other situation) before that wasn’t your fault. Let’s say you are the average American and you have roughly $5,000 in savings. That’s not enough to cover the hospital bill, let alone the radiologist, the doctors, and everything else. Plus, if you are seriously injured, you might have to take time off of work.
Insurance Companies Are Legally Required to Give You a Fair Offer – Even Though They Often Don’t
So what does the insurance company do? I mean, they have a legal obligation to offer “prompt, fair, and equitable” settlements of undisputed claims. KRS 304.12-230(6).
Too often, they play the player, and not the game.
They know that if your medicals are taken care of, they can offer you a small number (the smallest I’ve seen is $500) to make you go away.
$500 is a rounding error to an insurance company. However, for you, its 10% of your life’s savings.
But sometimes $500 is too much for an insurance company. So they delay, deny, and defend the case until you get so frustrated, you just quit.
What You Can Do
Don’t do that. If you are tired of being put on hold, told that someone else is who you have to speak with, or just don’t think $500 (or whatever amount) is a just result, give us a call.
The insurance company only pays if their customer was wrong. This country was founded on a few simple rules – responsibility, transparency, and fairness. All Men are Created Equal.
Don’t let the insurance company treat you like garbage. You have rights, and the right to enforce those rights.
Enforcing Your Rights by Hiring a Lawyer Is Good For Everyone But the Insurance Company
Some people think filing a personal injury case is unseemly. They don’t know why, but they just view it as bad.
We view it as one of the most sacred rights available to all. In this country (unlike in some others) we get to hold people accountable for their actions. If you don’t, we all pay (and the insurance company will raise everyone’s rates anyways).
This helps everyone – people who cause injuries change their behavior, the insurance companies that allow them to continue to operate are held to account, and you are given closure on a difficult situation.
If the insurance company is trying to frustrate you so you give up your rights to fair and just compensation, you need a lawyer to do that for you. We work on a contingent fee, which means we don’t get paid until (and unless) you do. We take on the risk so that you can be protected. Give us a call today.