The Benefits of Having a Lawyer Work on Your Car Accident Claim
If you have been involved in a car accident in Calgary, or anywhere else for that matter, the following may be very helpful in dealing with your claim. If you’re involved in an accident with another vehicle which results in injury, that other vehicle’s insurer will typically contact you to learn more about the injuries you sustained, the treatment you’ve undergone, and will also likely offer you a sum of money to resolve the claim. As with any negotiation, don’t accept the first offer (or even the second), and make sure you are informed, so you can ensure that your rights are protected. How and why do you do this?
Insurance companies have the following business model: collect premiums from their clients in exchange for financially indemnifying them when insurance claims arise. Basic math dictates that in order for that business model to be successful, the amount collected for premiums must be higher than the amount paid out for claims. It is therefore in their best interest to pay out the minimum amount possible to resolve claims. They are not prioritizing you and are not looking out for your best interests. If you retain counsel, their sole job is to look out for you.
The insurer may offer you a sum without explanation or justification. You cannot rely on someone who does not have your best interests in mind to properly assess your claim. It’s impossible to know whether that figure is reasonable or insulting. They are working from a position of knowledge. On the other hand, our clients are often unfamiliar or overwhelmed with the legal system, the claims process, and health concerns. The way to level the playing field is to counter their professionals with one of your own.
You may not know the value of your claim, especially soon after it occurs. In fact, be wary of anybody that says they can value your claim within weeks of an accident. The value is dependent on a variety of factors, including the nature of your injuries (duration, severity, treatment) and your personal circumstances (employment, schooling, age, family). Injuries can sometimes take a long time to heal, or may result in long-term effects on your health and quality of life. Accepting a quick offer before knowing the consequences to yourself will shut the door on your claim, even if your health takes an unfortunate turn for the worse afterwards as a result of your accident injuries.
The claims process can range from relatively simple to very complex. However, just as you would rely on your mechanic to see if that rattling noise your car engine makes is a simple fix or the sign of a severe problem, you should likewise seek assistance navigating the claims and legal process as well. The lawyers at Kubitz & Company in Calgary specialize in motor vehicle claims and personal injury law and would be happy to speak with you about helping to resolve your claim.
If you have been injured in an accident, the Lawyers at Kubitz & Company would be pleased to discuss the claims that are available to you. Please feel free to call 403-250-7100 to speak with us.
Article by Ryan P. Lee, a personal injury lawyer in Calgary, Alberta.