Remember, the insurer is not a friend

Remember, the insurer is not a friend

When you are in an accident that is not your fault, you deserve to receive restitution for your suffering. If you or the injuring party have insurance, you may be able to argue a successful claim.

However, it is important to understand that the insurer is not your friend. For you to receive proper compensation for injuries due to the accident, you should keep a few things in mind.

Their focus

Though advertisements seem to present insurers as organizations for the people, that is not their focus. Yes, they do provide services to their customers, but to operate their businesses successfully, they seek to reduce costs. For insurers, denying or making low payouts for claims is one of the major ways to accomplish this. Therefore, claims adjusters make this a strong focus when handling claims. They may utilize a number of tactics to try to decrease their payout and stay aligned with their initial focus, such as prolonging the process, questioning treatments and denying the legitimacy of the claim.

Your options

You should always seek medical attention as soon as possible. Medical records offer strong support for a claim. If the attending physician determines you need follow-up visits or a visit to a specialist, be sure to follow those instructions. Otherwise, the insurer may question the severity of your injuries. It would also be beneficial to consult with an attorney about your claim. An experienced personal injury attorney can review your case and present you with all the possible options you may pursue to receive the restitution you deserve. The attorney will also be familiar with all the ways the insurance company may try to decrease or dismiss your claim. She or he can help you build a solid case to thwart those attempts.

Building a solid claim and completing all required paperwork is the best way to ensure you receive the repayment you deserve for your accident. As you build your case, retain a copy of as much evidence as you can, and be mindful of your interactions with any insurers.


The Johnson Law Firm, LLC, can answer your questions about what our legal practices. Contact us for a free consultation. We are located in St. Charles and serve the surrounding areas of Missouri.