How an Insurance Company May Limit Your Injury Claim

Insurance companies are like any business when making profits: their income is greater than their costs. That income comes from premiums and profits from their investments. Their costs include paying claims for injuries, deaths, and property damage. Limiting claims boosts profits, so there’s plenty of incentive to deny and restrict claims like yours.

Satterley & Kelley, PLLC, has represented accident victims like you for more than 30 years. We have taken thousands of accident cases over that time. Insurance companies act responsibly and professionally, but not all the time.

Some people come to us to discuss their situation, but they don’t have a basis for a lawsuit. The insurance company is living up to its obligations, and what it offers is reasonable given the facts and insurance policy. Other times, what’s going on will make an attorney shake their head at how poorly they handle their responsibilities.

Your Chance at Maximum Recovery Improves When You Have an Attorney

Satterley & Kelley, PLLC, has provided this service to injury victims for more than thirty years because it is needed. We would need to find another job if insurance companies did the right thing for all claimants and met their legal obligations.

Tell us your story if you or a loved one are injured in an accident. Dealing with an insurance company by yourself, especially if a major injury is involved, could result in mistakes that may end your ability to receive compensation, or you may receive far less than if you had our experienced representation.

Because of our specialized knowledge and experience, we know what it takes to get the most from insurance companies for our clients without the time, energy, and expense of a courtroom battle.

Helping Clients is Not Just About Money. It’s About Peace of Mind.

Though settlements and jury awards help our clients, one of the top benefits of our representation is that we deal with the insurance company, so our clients won’t have to.

They can focus on treatment, recovery, their family, and returning to work because their claim is in good hands. Our clients know that whatever can be done to move their claims forward and maximize their recovery is being done.

What Insurance Companies Do to Frustrate Accident Victims’ Claims

Some things insurance companies may do include the following:

• Downplay the extent and effect of your injuries to justify a lower offer. They may downplay radiology reports and focus on a stray comment in your medical records
• Offer a low settlement soon after your claim is made. The insurance company may offer you a quick settlement that doesn’t reflect the extent of your injuries or how it impacts you. A signed release can’t be unsigned, so if you take their offer, that’s all you’ll get
• They can deny and delay your claim in hopes you’ll give up or at least hold onto their money for as long as they can. They may drag out investigations, request unnecessary documents, or take too long to respond
• They will emphasize your alleged negligence leading up to the accident to deflect their policyholder’s fault to reduce your claim’s value
• If you consent to give a recorded statement, they may “cherry-pick” what you said to try to justify a denial or reduce your recovery
• As your claim progresses, the insurer may hire accident reconstruction specialists or doctors to challenge your version of events or the extent of your injuries. Their reports may be used to deny your claim or cut back their offer
• An insurance carrier may try to shortchange or “lowball” you by not considering or fully valuing all the damages you’re entitled to recover. They want to focus on what you literally have receipts for, not intangible recoveries like pain, suffering, and emotional distress whose value may be substantial
• You may be told you’ll get the same recovery whether or not you have an attorney representing you, so it’ll be a waste of money to retain one. The last thing an insurance company wants is an injury claim involving a lawyer

When dealing with a claims adjuster, you must remember that no matter how friendly, professional, and caring they may sound, they’re not working for you. Personally, they may want to give you everything you want, but that will get them fired. A Satterley & Kelley PLLC lawyer is only concerned with your interests and getting all you can for your claim.

Speak To A Personal Injury Attorney Today

If someone else’s negligent actions caused injuries to you or a loved one, Satterley & Kelley PLLC attorneys are here to help you take legal action. We will be with you every step of the way, protect your best interests, and ensure you get the compensation you deserve. Don’t deal with a serious injury alone.

Call our Louisville office at 855-385-9532 to schedule a free initial consultation to discuss your case. If it’s more convenient, you can also complete our contact form.