Handling Car Insurance Companies

An accomplished auto accident attorney is on your side
We pay for car insurance for one reason: to be protected in the event of a car accident. In some cases, the insurance company actually comes through as they’re supposed to. You’re injured, you file a claim, and the insurance company provides the coverage you are owed.

In reality, though, few cases are that simple. Insurance companies are in business to make a profit, and they make their money by reducing or denying claims. Over the past 35 years, the Law Office of Mark B. Morse, LLC has worked with thousands of people whose legitimate claims were denied because the insurance company put profit ahead of helping an injured person get better.

For decades, car accident Attorney Mark Morse has been helping injured people and their families hold the insurance companies accountable. He understands the tricks that they use, and his experience will help you move your insurance claim forward.

Here’s what you need to know about the insurance companies

You can negotiate for more money. It’s standard practice in the insurance industry to offer a “lowball” initial settlement that may not even come close to paying for the full cost of your accident. Unfortunately, too many people take that initial settlement and are left with tens of thousands of dollars in additional expenses. Once you’ve taken the insurance company’s money, you have few legal options. But with an experienced lawyer on your side from the start, you can always ask for more.

You don’t have to answer their questions. You do need to notify your insurance company that you were involved in an accident in a timely manner; otherwise, they may deny your claim. But beyond that initial notification, you are under absolutely no obligation to talk to the insurance company – and you should keep in mind that their priority is to reduce their liability. Likewise, if an insurance company representing another motorist calls you, you don’t have to speak with them at all. The best option is to retain an accomplished attorney who can speak with the insurance company on your behalf.

You don’t have to give them a recorded statement. Remember that any recording can be taken out of context or modified to help the insurance company reduce or deny your claim. If you need to give the insurance company a statement, we recommend coming to our office and working with Attorney Morse to prepare a written statement. That way, we can make sure that your statement accurately reflects your side of the story – and protects your legal rights.

You should beware of delaying tactics. Another common tactic in the insurance industry is to try to stall until the statute of limitations runs out. They may offer small amounts of money over time to make it seem as though they’re helping you. They may hold up the process with unexplained delays or unreasonable requests for information. That’s why you need to take legal action quickly.

You shouldn’t deal with them alone. The insurance company may tell you that you don’t need a lawyer, but they’re absolutely going to talk to their lawyer. They have legal representation, and the only way to get a fair settlement is to have your own advocate. That’s why you need to contact an accomplished attorney immediately after your accident.

Don’t try to handle the insurance company alone. Even meeting with an attorney can substantially increase your recovery, and retaining an attorney is the best way to get full compensation for your accident. We strongly encourage you to meet with Mark Morse. Call (401) 831-0555 today.