When you have been rear-ended in an auto accident in Monroe, Louisiana, the most frustrating part of your experience can be negotiating a fair settlement with the insurance company. An insurance adjuster may reject your claim or try to offer a settlement that does not reflect what your case is worth.
As a result, you may feel that you are alone as you accumulate substantial debt from medical expenses, lose pay from being out of work, or go through a painful recovery process – all because you were hit by a negligent driver.
How do insurance companies get away with rejecting a claim or paying out so little? Furthermore, why do victims lose auto accident cases that may seem so clear cut?
Establishing Liability and Case Value in an Auto Accident Claim
In my experience, I’ve observed that drivers who have been hit by another car often lose their case for two reasons:
1. Failure to Establish Fault or Liability
Whether you are dealing directly with the insurance company or presenting your case in court, the most compelling part of your claim is your ability to provide evidence. What type of evidence do I typically obtain for clients?
- Eyewitness accounts
- Photos or video footage of the accident
- Official accident reports such as a police report
- Medical documents
- Expert testimony
2. Failure to Establish Case Value
Even if you establish liability after you have been rear-ended, you may not know what your case is actually worth. As a result, you may accept the first offer from the insurance company, which may not reflect the total amount of your damages.
When I work with personal injury victims who have been hit by another car, I go over every detail of how the accident impacted their life. We cover areas such as:
- Medical expenses
- Lost pay or benefits
- Disability or disfigurement
- Pain & suffering
- Loss of consortium (companionship)
- Total property damage
While it is impossible to put an exact figure on your case value, my goal is to go for the maximum compensation possible to cover all of your economic and noneconomic damages. I fight to negotiate a fair settlement with the insurance company.