Motor vehicle accidents are the nation’s number one cause of injury and death not related to disease. Some statistics indicate 2.5 million people are injured in motor vehicle accidents each year and more than 40,000 are killed. For the victims and their families, these life-altering events are often the result of someone else’s negligence.
Medical bills soon begin to overwhelm the victims and their families as each area of medical support, bills for their services. The ambulance, paramedic, physician, hospital, and many other medical personnel who rushed to the victim’s aide, deserve to be compensated. In addition to the mounting medical costs, personal debt starts to accumulate due to lost wages, which threatens the victim’s credit rating.
Besides the rising monetary costs, victims and families are also dealing with the emotional and mental stress caused by the accident. The pain and suffering, as well as future losses may be difficult to bear, especially if debilitating injuries and death occur.
Because of the duress they’re under, people often assume that their insurance companies will work on their behalf, but this is not the case. Remember, the adjuster works for the insurance company and is paid to negotiate the lowest possible dollar amount for your claim.
What You Need to Know When Dealing with Insurance Companies
It’s important to realize that the business of insurance companies is to stay in business. Few people understand what the policy covers and may assume the insurance company only covers the cost of their medical expenses and car repair. The following are some key pieces to understanding your rights.
- Never sign an unrestricted release for medical records.
- In addition to medical bills and car repairs, insurance companies also compensate for lost wages, and pain and suffering.
- Insurance adjusters work for the insurance company, not for you.
- Insurance settlements handled without an attorney are usually significantly lower.
- In some instances, the case may need to go to trial
When You Need an Attorney
Motor vehicle accident attorneys know the importance of making sure their clients’ needs are met, which includes dealing with the insurance companies. Montana Car Accident Attorneys fight for your right to have the best medical care available and to ensure that you get the best settlement for your claim.
If you or a loved one has been injured in a car accident in Billings, Missoula, Great Falls, Bozeman and Butte or anywhere in Montana, please contact car accident attorneys today.