Common Mistakes for Unrepresented Claims:

  1. Settling for too little
  1. Settling too fast
  1. Not providing the right evidence
  1. Not understanding lien processes
  1. Over or under-confident
  1. Not understanding all the losses that can be claimed
Taking on battles yourself can be appealing. But let me tell you from my own personal experience it is not always best.

A few years ago, I was in a parking lot accident where another vehicle and I were backing up at the same time. Naturally, we pulled back into our spots, got out, and exchanged information.

I immediately called my insurance company when I got back into my car. I wanted to make sure I was on the up and up with any claim that might come their way. I spoke honestly and provided as much information as I could. The adjuster was kind and understanding. She confirmed that no one person was at fault because of the way the vehicles had made impact. By the time I got off the phone, I was convinced that nothing would come of the matter.

A week later I received a telephone call from my insurance company. The adjuster informed me that they would be assuming responsibility for the other driver’s car. As you can guess this meant I was deemed an at-fault driver and my insurance rates skyrocketed.

In my situation, I did not have nearly as much at risk as someone injured in an accident. However, I am a good example of being overconfident in myself and my insurance company. Because of my mistake, I ended up on the losing end of that situation.

Many things can go wrong when it comes to a personal injury claim. For a claimant who flies solo, it is extremely hard to be objective when one’s health is at stake and far too easy to trust offers from an insurance company that simply wants to close a file.

It is important to remember that the other insurance company’s job is to protect the interests of their insured, not yours.  More importantly, once a deal is made it cannot be undone. In my professional experience, moving too fast to accept an offer is the number one error for many claimants. (See my article “How to Choose the Right Personal Injury Firm for You”.)

When it matters most, you should not be alone. With the help of an experienced personal injury attorney, you do not have to fall victim to a bad settlement.

Disclaimer: This article is not intended to be used as legal advice and is not a blanket for every situation. You should always consult with your attorney.