Most Americans are shocked to learn that a number of major insurance companies, both car insurance companies and others, actually train their claims adjustors to offer unfairly low initial payouts in hopes the customer will not know any better. These unethical practices have been documented in investigative pieces in major national newspapers. Certain companies have gone so far as to hire experts to implement a new and costly system for training agents to make the lowest payouts possible, and to make negotiation with the company as difficult as possible. Accident victims are particularly vulnerable in the immediate aftermath of a wreck, and may easily be taken advantage of. Experts say that the best thing to do is to promptly engage the services of a St. Louis auto accident lawyer prior to accepting an offer from an insurance company or signing any documentation from the insurance provider. Insurance agents may encourage an accident victim to sign a document that could later be used against them.
American drivers must purchase auto insurance by law in order to legally drive. But most drivers are also grateful to have insurance, imagining that in a horrible situation such as a tragic accident, they or their family will be compensated and at least have a secure future. However, many people who have been harmed in accidents have found that to actually get the compensation they are due, they must do much more than file an insurance claim. Accident victims who suffer from orthopedic problems such as broken or crushed bones may think their injury is not serious enough to warrant the help of a St. Louis broken bones car accident lawyer. In fact, the full impact of a car accident may not be known immediately after an accident. Serious orthopedic injuries can require one or more surgeries, extensive physical therapy, and an absence from work due to rehabilitation time. These types of injuries can also leave a person with chronic pain and lifelong disability. The cost of a severe auto wreck can have effects on a family for decades after the fact if adequate compensation is not secured.
One of the most important ways an attorney can support a survivor of a car accident or their family is to provide a realistic projection of the costs the family may incur as a result of the incident. Taking into consideration the substantial pain and suffering caused by a serious wreck, in addition to medical costs and lost wages as well as the rising nature of health care costs, medical expense consultants assist St. Louis car accident attorneys to make a true estimation of the damages incurred by the accident. This number provides a fair estimate for the lawyer to aim for when negotiating with an insurance company in order to ensure the victim receives enough for a secure future. Insurance companies make tremendous profits, and should be held accountable for making adequate and appropriate payouts to their customers. It is an unfortunate world we live in that requires legal representation to get the compensation you deserve after a serious accident befalls you, but that is the nature of the auto insurance industry today.
