Find out why the insurance industry is not on the side of accident victims in Kentucky.

Accident Victims Want to Know if the Insurance Company is Really on Their Side

If you have been injured in an accident in Kentucky one of the many obstacles that you will face is wondering if their insurance is really on your side. The insurance companies all advertise that they are. You cannot turn on the television without seeing a commercial about an insurance company. You may be familiar with the tag lines: “You are in good hands with …”, “…is on your side”, “…the good hands people”, “like a good neighbor…is there”. Are they really on your side? Are you really in good hands? And are they really like a good neighbor?

At the end of the day all accident victims need to remember that all insurance companies, including their own, are businesses. Their purpose is to make money. You have a contract with your insurance company. The contract is your insurance policy. Your policy states what the insurance company will pay for if there is an automobile accident. There is no grey area. If it is listed in the policy then your insurance company will pay, if it is not listed they will not pay. An important fact to remember is if there is a reason not to pay, the insurance company will do everything they can to take advantage of this.

The adjusters with the insurance company have their job to do. They take your statement, contact witnesses and look at medical records so they can decide what your case is worth. They are looking for anything that will alter the value of your case. Some of the things that could make the value of your case go down are if you have you said that you weren’t hurt. Or if your wife said that you looked okay to her. Is there reference to old injuries in your medical records that you didn’t tell your current doctors? These are what they are looking for. Be careful.

The adjuster is friendly to you because this is the best way for them to obtain information from you that will allow them to lower what they will ultimately pay out. The insurance company uses the philosophy that we speak more freely with people that we like get information that may not be favorable to you and your case.

As an accident victim you need to be aware that the insurance adjuster will attempt to contact you almost immediately following your accident. This is while you are still hurt, on pain medication, in a vulnerable position and many times in need of money. They will try to get information from you that will help them defeat or devalue your claim. They will also try to dissuade you from contacting and hiring an attorney. Some of the things they will tell you are that the attorney will take your entire settlement, the insurance company will not settle with you if you hire an attorney, the offer made will be taken away as soon as you hire an attorney and that they are your friend. Again, be careful.

As an attorney that has represented accident victims in Kentucky for several years it is my goal to try and level the playing field for accident victims of Kentucky.