After a Car Crash in Louisiana, Is the Claims Adjuster Going To Help You?

You have had the shock of your life, a Louisiana car accident so violent you thought you were dead. A week later, everything hurts, but you are thankful to be alive. And slowly, gradually, on top of your pain and distress, the worries start seeping in your mind about your wrecked finances and long healing process. You are trying not to think about the possibility of losing your job.

The insurance adjuster is due to call you later in the day. What should you tell him?

Things you need to know about insurance adjusters:

Adjusters are not sales people. They won't even try to please you. They are employees working with targets and instructions. One of their objectives is to keep your settlement out of court. They will do this by either proposing a quick settlement at a low level, making sure you sign a waiver for any future claim, or letting the process drag on forever, starving you of the funds you need to pay the bills until you are ready to settle.

Every adjuster handles hundreds of claims every month. They know exactly how people react to kindness and to threats.

What are the arguments an adjuster might use to defeat or minimize your claim?

Our experience with claims adjusters is that they always come with arguments like:

• You caused the accident;
• Their policyholder was not negligent or at fault;
• You were both responsible for what happened;
• You can't have serious injuries when the car suffered only minor damages;
• Your injuries are not clearly demonstrated;
• Your injuries result from a prior accident;
• You had earlier treatment for this sort of injury;
• Your medical care has been interrupted, or is too expensive, or is not necessary;
• Your wage losses are exaggerated or unproven;
• Or any combination of the above.

Don't be surprised if, with this kind of approach, the settlement proposal they come up with is just a fraction of what you need to rebuild your life.

Don't let anyone deny you the compensation to which you are entitled, for your pain and suffering, medical treatment, rehabilitation and home care, loss of wages and work, material damage and car replacement.

If you have been hurt in a New Orleans car accident, contact the attorneys of the Young Firm in New Orleans immediately for a FREE consultation of your case at (504) 680-4100 (local) or (866) 660-7220 (toll free) or by sending us an e-mail.