Understanding The Goal of Insurance Agencies

When you attempt to file any form of personal injury claim in San Antonio, the negotiation process begins with the presence of a claims adjuster from your insurance company. The adjuster brokers a settlement estimate of the claim. If you believe the settlement to be unsatisfactory, you can decline the insurance agency’s estimate and hire a lawyer to further your claim by the filing of a personal injury lawsuit.

How Insurance Adjusters Affect Your Claim

Insurance adjusters’ effectiveness can be measured by two aspects of their handling of your claim; their ability to minimize spending of the insurance company’s money, and the speed and effectiveness of the settlement. In these cases, a licensed attorney can help you accurately estimate damage, gather evidence, and document effectively in case the insurers attempt to save the insurance company money and inconvenience at the expense of collision victims.

Understanding the goal of insurance agencies is often the first step to an education and preparation as you attempt to seek compensation for your damages and loss. To prevent or combat the conflict of interest which often surfaces when dealing with an insurer, you must first be able to detect the inequities by considering their motives.

Through a process called ‘discovery’; both sides – the insurance agency and the victim – research the circumstances and investigate the facts surrounding the accident. After a combination of depositions and examination of evidence, the claims adjuster will estimate the claim’s value. It is now the victim’s turn to counter this number with an estimate of their own. This is where the services of a San Antonio auto accident lawyer can be critical.

Even so, self-protection and proactive diligence remain crucial aspects of your claim’s success in court. Despite their background in insurance claims, adjusters are neither lawyers or doctors. The truth is, you know the extent of your injuries and damages better than anyone.

Understanding the Goal of Insurance Agencies

If you or someone you care about has fallen victim in any instance of a San Antonio collision, understanding the goal of insurance agencies, and what compensation should be restored by is vital as you attempt to move forward with an auto accident claim. In these cases, obtaining legal representation may be your best chance to obtaining reparation. The goal of the insurance agency is to minimize the damages and losses they must repay after a collision, such as:

  • Property damage
  • Loss of property
  • Lawsuit expenses
  • Hospital bills
  • Rehabilitation from injury costs
  • Medication costs
  • Punitive damages for not upholding an insurance policy

Claims adjusters in tandem with your car insurance or another party’s insurance company may also request you to sign a waiver which admits them access to your medical bills. This is yet another possible reason for you to seek the counsel of a lawyer whom you can trust to determine whether signing this waiver is indeed your best course of action.

Once the insurer possesses this information, it allows them to use your medical history to leverage the claim. There are two major variables which affect the way a San Antonio auto accident claim can be assessed by a claims adjuster:

  • Severity of circumstances surrounding the collision
  • The individual insurance companies’ policies

If you need help understanding the goals of your insurance agency, contact one of the experienced lawyers from Carabin & Shaw today. We are willing to offer all those in need of legal counsel an initial consultation, free of charge and devoid of obligation, to help you understand the nuances of dealing with an insurance agency and how it pertains to your case and ability to obtain maximum compensation.

Contact the experienced attorneys serving San Antonio and the surrounding region from Carabin & Shaw at our San Antonio offices by calling 210.222.2288, or day or night at our toll-free number, 1.800.862.1260.

Visits with the Attorney are by appointment only. Main office San Antonio, Texas.

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