Contacting a car accident lawyer before you make your initial puts you in the best position possible. Auto accident claims are like spider legs, lots of moving parts and without coordination you can fall. Insurance coverage is hard to understand and coordinating your coverages for uninsured motorist, medical payments, liability and collision is difficult enough before you add a third party being liable, or health insurer wanting to get or your being told that your car is worth less than what you owe.
Obviously there’s more to a car accident claim than a personal injury settlement.Good people think there is no harm in giving a statement to either insurance company because once they tell the truth the insurance company will do the right thing and pay what you are asking for.
However, insurance companies are motivated by (1) taking in more money than they pay, and, (2) adhering to the terms of your policy. Therefore, what you and the insurance company see as the right thing may differ. Speaking with an attorney before providing a statement follows the old saying that “it’s not what you say but how you say it”.
A responsible attorney can educate you on what the insurer is trying to find out and so you can give the adjuster the information in a way that does not jeopardize your claim. It’s not about lying – it’s about giving the correct information that allows maximum coverage.
Here’s a little known secret! Medical providers who have not been fully paid can be forced by law to settle for pennies on the dollar if you are working with an attorney. If you deal directly with the insurance company you can lose this privilege.
The best time to contact an attorney is when you decide that you and your family want the maximum coverage possible with the least amount of stress. Statistically speaking victim net more with the help of an attorney than going at it on their own
LAW OFFICE OF KENNETH P. CARP 12800 Boenker Ln Bridgeton, MO 63044 Phone: (636) 947-3600 Fax: (314) 942-3007 ST. LOUIS OFFICE 9070 Watson Road St Louis, MO 63126 314-942-3006