By: Allan M. Siegel
You’ve been in a
car accident, but the insurance company of the person who hit and injured you (let’s
call him or her “the defendant”) is refusing to make you any
offer to compensate you. Or the insurance company is making an offer,
but it’s only for a tiny amount. Why is the insurance company treating
Remember that the insurance company of the wrongdoer has little incentive
to treat you fairly. That insurance company has no relationship to you,
and has every reason to want to pay as little money as possible. But there
are several recurring reasons that we see a lot, for why the insurance
company may be offering you little or no money. The insurance company
is likely to say that:
- It wasn’t the defendant’s fault.
- It was the other defendant’s fault.
- The defendant was negligent, but so were you.
- Your injuries were caused by a different accident, before this one.
- You were in another accident not long after this one, and your current
complaints stem from the later accident.
- The damage to your vehicle is minor, which “proves” that you
couldn’t have been hurt very badly.
- You took a long time after the accident to go seek medical attention, so
you weren’t that seriously injured, or something else injured you
after the car accident.
- Your treatment was spotty, e.g., you missed a lot of doctor’s appointments,
so you must not have been that badly hurt, or your failure to take care
of yourself is why you’re in pain now.
- Your injury is imaginary. (This is most common in a case where it’s
very difficult to observe the injury, such as a brain injury case.)
In many cases, you will need the help of an attorney to force the insurance
company to act reasonably. If you have been injured in an automobile collision
and would like legal representation to help you deal with an insurance
company, contact the personal injury attorneys at Chaikin, Sherman, Cammarata
& Siegel, P.C., for a