Insurance Settlements

What the Insurance Companies Do and Don’t Consider When You’ve Been Injured

When you or a loved one has been injured in a car accident, it isn’t just your physical well-being that is affected.  You can also “feel the pain” when it comes to your finances, along with your mental and emotional health.  However, the insurance companies don’t take that into account when determining the amount of their settlement offer, and that’s why you need a Maryland Insurance Claim Lawyer to make sure you get a settlement that supports EVERYTHING you’ve endured.

How Insurance Companies Calculate Settlement Offers

Most insurance adjusters don’t operate under the idea of giving you a fair and reasonable settlement.  In fact, their job is to do quite the contrary.  The REAL job of the insurance adjuster is to offer you the lowest settlement possible, even if it means manipulating you to believe you aren’t entitled to anything more – or any settlement at all.

The insurance company considers only your injuries when determining settlement amounts.  For example, suppose you tore ligaments in your hand in an accident, and another driver was at fault.   The adjuster from that other driver’s insurance company will simply enter your injuries into a computerized system that has predetermined dollar amount for your specific injury and the severity of it.  The insurance adjuster has the freedom to offer you far less, hence, the term, “lowball settlement.”

The insurance adjuster also looks in depth at how long you took to get to the hospital after your car accident, if you kept your follow up medical appointments, and if you went to all of your scheduled physical therapy sessions.   If the insurance adjusters see any reason that you may have seemingly NOT prioritized your injuries, (like missing an appointment), they will use that as justification in offering a lower settlement.

What Insurance Companies Don’t Consider – Initially

When you do not have a skilled lawyer, like those at The Lapidus Law Firm, the insurance companies will purposely leave out several areas that should be considered when determining your settlement amount. 

The best way to make sure they compensate you in EVERY WAY you have been affected by your accident and injuries is by getting a powerful team of hard-working, knowledgeable Maryland Personal Injury Attorneys.  The clients we represent are offered favorable settlements that include:

  • Pain and Suffering
  • Stress
  • Loss of Enjoyment of Life
  • Loss of Consortium

Without a team of lawyers with decades of experience (like those at The Lapidus Law Firm), these critical factors may not be included in your settlement. 

Maryland Insurance Claim Lawyer

Have you been injured in a Maryland Car Accident?  Do you need a qualified, tenacious Maryland Insurance Claim Lawyer to step in and handle your case?  Do you need someone to communicate with the insurance company on your behalf so you can focus on healing and getting back to doing the things you loved to do BEFORE you were injured? 

If you answered yes to any of the questions above, call your Maryland Insurance Claim Lawyer at The Lapidus Law Firm.  We will schedule a free, no-obligation consultation immediately to get the details about your accident and your injuries.   Too many people assume they don’t need a lawyer, but when you choose The Lapidus Law Firm – regardless of the severity of your injuries – we make it our top priority to get a favorable settlement for you.

Call us today to get started at (301) 605-4296.  We’re looking forward to getting you a settlement that takes into account not only your injuries, but how those injuries impacted your daily activities and economic losses.   

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