If you are injured in a car accident, you have the right to pursue and accident claim against the person who caused the accident. Under Pennsylvania personal injury laws, you may be entitled to recover damages including but not limited to:
- Past and future medical bills
- Past and future lost wages
- Loss of earning capacity
- Property damage
- Funeral, burial, and/or cremation expenses
- Compensation for physical pain, emotional suffering, and mental anguish
- Compensation for scarring, disfigurement, and permanent disability
- Compensation for long-term medical care and/or personal care
However, in most personal injury cases, the insurance company for the person who caused your injury is the party you deal with regarding your claim. Insurance companies are in business to make money. Paying large accident settlement claims is not something an insurance company wants to do; therefore, it will do whatever it can to limit its liability for your injures.
The insurance company does not have your best interests as its top priority. You have rights! Contact our personal injury attorneys to protect your right to receive a fair and full settlement.
Insurance Company Tactics Used to Reduce Settlement Payments
An insurance company does not need to break the law in order to obtain information it needs to right your accident claim. It simply needs to get to you before you speak with an attorney regarding your accident. If an insurance adjuster or claims representative can get to you before you learn your legal rights, they can convince you to takes steps that may harm your accident claim.
The two most common insurance tactics used to reduce liability are statements and releases.
Written and Recorded Statements
An insurance adjuster may ask for a written or recorded statement to "verify the facts" of the accident to process your claim. Do not fall for this insurance tactic! You are not required to provide a statement to the insurance company without consulting with an attorney. The insurance company hopes that you say something in your statement that it can use against you to lower your settlement claim or deny your claim entirely. Something you believe to be innocent can ruin your accident claim. Consult with one of our Harrisburg personal injury attorneys before speaking with the insurance company for the other party.
The insurance company does not need a medical release to verify your injuries to make a payment. Your attorney will provide copies of your medical records to the insurance company that relate to your injury. An insurance company would prefer you sign its medical release so it can obtain copies of all of your medical records. If the insurance company can find a pre-existing condition, it will argue your current injuries are not related to the accident.
You must be extremely care when signing a release. You could inadvertently release the insurance company and all other parties from liability. Consult with one of our attorney before signing any document related to your accident claim for the insurance company.
Before You Talk to The Insurance Company Call Us
The Harrisburg personal injury attorneys of Handler, Henning & Rosenberg LLP offer free case evaluations. Call our office to schedule your free consultation. We want to protect you from insurance companies that want to pay you less than you are entitled to receive for your accident claim.