After an accident, it’s difficult to know what to do next. You may ask yourself, “Should I call a lawyer? Are my injuries bad enough? Can I handle this on my own?”

At Great West Injury Law, we know that making this decision isn’t easy. But we encourage you or anyone in this position to consider that insurance companies don’t always pay victims what they deserve. Insurance is big business. It’s driven by profits, which means it’s not invested in protecting the needs of the victim if that means spending money.

What You Should Know About Dealing With the Insurance Company After an Injury

At the end of the day, the decision to hire a lawyer is personal. But it’s important for victims to make sure they have all the information necessary to make the right decision for their specific situation.

Here’s what to expect when filing an injury claim alone:

  • The insurance company will always offer a low-ball settlement.
  • While their offer may seem okay at the time, it probably won’t even come close to covering future medical expenses related to the injury.
  • Once an injury victim accepts the offer, they won’t be able to collect additional compensation later, even if their injuries require more treatment.

Yes, it’s disappointing that insurance companies quite literally add insult to injury. There’s no way to know what will unfold with injury-related expenses, and accident victims simply can’t count on the insurance company to take their needs and the big picture into consideration. But even still, there are a few cases that don’t require assistance from a lawyer. A free consultation with a lawyer to see what they say is always a good idea.

Managing Your Own Case

Trying to handle a claim on your own and then hiring a lawyer later if things go awry may complicate the process, so understanding what you’re capable of and what’s at stake is important. Maybe you were in an accident with no injuries or very minor injuries, or you’re confident in your ability to negotiate with an adjuster and to research the process. Perhaps one or all of these apply to you, but we’ve seen very few cases when handling the insurance company on your own will work in your favor.

As mentioned above, dealing with the insurance company is not like dealing with a friend who has your best interest at heart. You are dealing with someone whose only job is to protect the insurance company’s money. But the best interest of accident victims is our team’s number one focus.

The Importance of Accurately Calculating Damages

Getting a fair settlement means accurately calculating both your current and potential future losses. Unfortunately, this is where many people hit a roadblock with insurance companies.

We’ve already discussed how insurance companies want to limit their payouts. They may try to downplay or undervalue your long-term needs. On the other hand, a personal injury lawyer will make sure to calculate and include all your losses in your claim:

  • Medical Expenses: Past, present, and future predicted costs, including doctor visits, hospital stays, medications, and rehabilitation
  • Lost Income: Wages lost due to missed work, as well as potential decreases in future earning capacity due to your injury
  • Pain and Suffering: The physical and emotional toll of your injury
  • Other Non-Economic Damages: Loss of enjoyment of life or damage to your relationships

Accurately calculating these damages requires meticulous investigation, gathering evidence, and potentially collaborating with medical or financial experts. A skilled injury lawyer will have the resources and knowledge to present a compelling argument for the full compensation you deserve, allowing you to focus on your recovery.

We Don’t Let Insurance Companies Take Advantage of Our Clients

At Great West Injury Law, it’s our goal to get accident victims the maximum compensation for their injuries.  We know how to calculate the cost of your current and future injury-related expenses, including your medical bills, lost wages, and pain and suffering. Then, we’ll fight to help you get the money you deserve. After an injury in Utah, don’t leave your future in the hands of the insurance company. If you have any uncertainty at all, it’s better to be safe than sorry. Get our experienced team of personal injury lawyers on your side to erase any doubt around how your claim is being handled.

Contact Great West Injury Law today to find out how we can help. And if you don’t need a lawyer, you can count on us to let you know.

Originally published February 14, 2022.