Most often, when a person is injured, let’s say in a car accident, the at-fault party (or other drivers) is held liable for their resulting economic damages and losses. Damages and losses include hospital bills, medical expenses, lost wages from time off work, prolonged therapy, mental anguish, pain and suffering, and much more. Damages and losses generally depend on the severity of the accident and resulting injuries, as well as local jurisdiction. On the other hand, there are times when the faulted party’s insurance company denies liability after a victim submits their claim because they say the law says the victim is responsible for the accident, and ultimately, any damages that may have been incurred as a result.
In these cases, it is important to know more about adjusters and their job to understand better the extent of truth in what they tell injured victims. Furthermore, it is important to know that there are still viable options for personal injury victims whose claims are denied by the opposing party’s insurance adjuster. Continue reading to learn more.
Insurance Company Employees
An adjuster is not a lawyer or legal professional; they are simply insurance company employees. This means that they may have a broad idea of the law regarding their particular job role and the cases they oversee, but they do not have detailed knowledge of the law. They cannot possibly know whether you are truly 100% liable for the accident that caused your injuries and losses. For this reason, it is vital to consult an experienced personal injury lawyer to navigate your claim and fight for fair compensation on your behalf.
What To Do
If an insurance adjuster denies your personal injury claim because they claim you are the responsible party according to state laws, the first thing you need to do is demand proof. The adjuster can send you a copy of the particular statute or regulation that applies to your claim’s denial. If they do not or cannot send documentation with this evidence, you must tell the adjuster that you will not consider a regulation that is not documented.
If they send you something, be sure it is an official law rather than an excerpt from their own company’s handbook or a written statement from their lawyer. Keep in mind that any law that may pertain to your claim does not include specific events and variables to your case. This means you may still not be liable. Talk to a personal injury lawyer to learn your rights.