Insurance Companies have the Upper Hand

Mar 25

It is a little known fact that when someone wins in a personal injury lawsuit, it is not usually the defendant that pays the damages, but its insurance carriers. This is especially true when it comes to suing big companies or healthcare providers, but it can also be true for homeowners and regular business folk. Click here for a full list of the types of personal injury cases.

Under normal circumstances, like say a car accident, the insurance company investigates the claim and if everything is in order pays for the damages or injuries to the extent of the coverage. However, when it comes to big money such as a dangerous drug lawsuit, defective tire case, or a hazardous substance claim, then insurance companies will want to minimize their exposure. The most common (and effective) way to do this is to deny and defend.

Insurance companies are successful because they take in much more money than they pay out. As such, it is their prime directive to deny as many claims as they can past a certain monetary level. Claimants can appeal the case, but it can take a lot of time and effort, and many simply give up.

In cases where the plaintiff is persistent, or hires a lawyer to pursue the case, the insurance company exerts its own legal muscles. Most large insurance companies have in-house lawyers that are expert in making it very difficult for a plaintiff to prove liability. Unless the plaintiff’s lawyer is experienced in personal injury cases in the state, it can be very difficult for the plaintiff to win a case.

If you sustained serious injury because of the negligence of others, you may be eligible to claim compensation for your losses. However, you could be facing an uphill climb if your claim is challenged by the insurance company. Hire an experienced personal injury lawyer to represent you against insurance company lawyers.

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