Getting into any accident, whether with a commercial truck or another passenger vehicle, is extremely dangerous and can cause serious injuries for everyone involved. When this accident is caused by another driver who is under the influence of drugs or alcohol, it can be very upsetting as you try to come to terms with your injuries knowing how easily this accident could have been avoided. Fortunately, you will likely be able to seek compensation for this accident either through an insurance claim or a civil lawsuit, both of which are designed to provide financial relief to the victims of an accident.
Working with a personal injury attorney is one of the best ways to get through the complex and often frustrating claims process successfully. Insurance companies have spent decades perfecting their approach to claims against their policyholders, and focus almost-solely on limiting the amount paid out for any given claim in order to save themselves as much money as possible. The sad reality is this: insurance companies are not interested in paying claimants what they deserve, and your claim is not an exception. Hiring an attorney in the early days after your accident will give you an ally through this process who is focused on your needs.
Contact 1-800-Injured For a Free Consultation Today
1-800-Injured is an attorney and medical referral service. We offer a free consultation for victims of truck accidents caused by intoxicated truck drivers, where we can discuss the specifics of your accident before connecting you with an experienced truck accident lawyer in your area. Trying to find an attorney on your own while working through the early days after an accident can be overwhelming, which is why using our referral service can save you time and effort that can be better used focusing on your personal needs.
Read more below about truck accident insurance claims and why it is so important to hire an attorney. Contact 1-800-Injured today for a free consultation and to be connected with a truck accident lawyer in your area as soon as possible.
Why Hiring a Lawyer After a Truck Accident Is So Important
Reduce the Risk of Complicating Your Case
When you initiate an insurance claim with the commercial truck insurance after an accident with an intoxicated driver, the insurance company will assign a claims adjuster to your case who will spend the next few weeks investigating all of the relevant details. During this time, you may need to submit to an independent medical exam from a doctor who is contracted by the insurance company and will need to turn over many documents and pieces of evidence showing the nature of the damages you have suffered. During your medical exam, the doctor will be looking for ways to downplay your injuries on behalf of the insurance company, and if you go through this without the advice of an attorney, it is easy for a victim to make simple statements that ultimately reduce their final settlement. As with the potential pitfalls of the medical exam, each communication you have with the adjuster may lead to your settlement being reduced due to simple technicalities in the statements you make.
Your attorney will be able to both guide you through the steps you must take on your own and will be able to interface with the insurance company for everything else. When you have an attorney handling as many of these interactions as possible, you improve your chances of getting a fair and comprehensive settlement by avoiding falling into these common mistakes that the insurance companies are primed to take advantage of. Avoiding this extra stress can be a great boost to your recovery, as well.
Maximize Your Settlement
While the insurance adjuster is performing their own investigation before calculating their settlement offer, your attorney will be performing their own investigation. Insurance companies will rarely, if ever, voluntarily include many of the line items that your attorney will compile in their calculations for a fair settlement, so having a knowledgeable and detail-oriented legal professional going through everything with a fine-toothed comb is a significant advantage. One of the biggest values that your attorney will bring to your case is knowing the many minor damages that are connected to your case that you may not recognize on your own, each of which contributes to a higher settlement.
Once your attorney and the claims adjuster each conclude their investigations, the insurance company will make you an initial settlement offer. You will likely be shocked at the difference between this offer and the calculations your attorney has come up with. From there, your truck accident lawyer will begin a series of negotiations in order to close the gap between these two figures and hopefully reach an out-of-court settlement agreement for a fair and comprehensive amount. If they are unable to reach an agreement before the statute of limitations nears expiration, the next step may be to file a lawsuit with your state’s courts.