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What to Expect from the Insurance Company After an Accident

  • Kentucky follows no-fault laws for car insurance purposes. If you are involved in an accident, you will file a claim with your insurer. However, this process is rarely easy.

    Insurance companies are for profit. Every time they settle a claim, they lose money. To protect their bottom line, entire departments are dedicated to denying and reducing settlements however possible.

    Claimants are often naïve to the industry, which costs them compensation when they need it the most.  Read on to learn more about the indemnification process.

    Manipulation of Claimant Statements

    When filing an insurance claim, the insurance adjuster is likely to ask you to provide a statement. They’ll want to know what happened from your perspective. The insurance adjuster isn’t a bad person, and they’ll likely be very friendly. But they are an advocate for the insurance company, not you.

    Adjusters and trained by insurers to protect the company's bottom line. One common tactic is manipulating your statement to use against you. Adjusters work hard to make it appear as though you share fault for the accident, thereby reducing your compensation.

    An experienced car accident lawyer will represent you during each stage of the claim process and handle communications with the insurance company. You shouldn't have to worry about being taken advantage of in your time of need.

    Lowball Settlement Offers

    When you hurt, unable to work, and bills are piling up, quick settlement offers are appealing. The insurance company knows this. However, quick settlements are typically worth pennies on the dollar to what you’re actually owed.

    When an insurance adjuster makes you a quick offer, they hope you settle early so they can avoid paying out in full later. A lawyer knows these tactics and will work to ensure you never settle for less than you deserve. 

    Contact a Kentucky Car Accident Lawyer 

    After a car accident, an experienced Louisville car accident lawyer can make all the difference. At Wilt and Thompson, PLLC, we are proud to offer free consultations to injury victims in our community and throughout Kentucky. Take advantage of this opportunity by calling our office at 502-253-9110 or visiting our website