The Tricks of Insurance Adjusters

If you sustained an injury in a car accident and did not enlist in the help of a lawyer, you likely spoke to an insurance adjuster who attempted to trick you without your knowledge. In fact, you probably answered questions, unaware of any sinister intentions behind them. The truth of the matter is, insurance companies often try to trick people who are without a lawyer, so as to reduce their claims of injury, and thus not have to pay their share.

Insurance adjusters may ask you to sign documents, delay payment of your claim, offer a quick settlement with the signing of a full release, deny liability, dispute your damages, ask you to sign a general medical authorization so they can have full access to your medical records, and more. The number one tactic of insurance adjusters is asking you for a recorded, signed, or written statement–which is the last thing you should ever agree to.

Here are a few examples of questions that are generally irrelevant and inadmissible in court, including but not limited to:

  • Do you have health insurance?
  • Is this related to a worker’s compensation claim?
  • Have you ever seen a doctor for similar pain?
  • How often have you had this pain in the past?
  • Are you salaried or hourly?
  • Have you received benefits from missing time off work already?
  • Who will cover your co-pays if you go to the doctor?

The answers to these questions are not recorded, and the only times a statement will be recorded is when the plaintiff is seeking under/uninsured benefits, which are contractually assigned and thus required to do so. Our lawyers warn all injured parties to not be fooled by insurance adjusters–though they may seem as though they are only trying to help you, they are simply attempting to make you say something which will be used to prevent you from obtaining the compensation you are entitled to.

CONTACT OUR TEAM OF ATTORNEYS TODAY

At Ross Moore II, P.C., we are determined to help you combat against any challenges or complexities you may be facing in your case. If you have suffered an injury due to no fault of your own, especially due to a car accident, ourlawyers want to help–we believe all victims of negligence deserve compensation for their injuries, medical bills, loss of work, and pain and suffering.

To schedule an initial consultation with a member of our team today, don’t hesitate to contact us by calling (404) 491-8511.

You Break It, You Buy It: The Purpose of Recovering Damages

In a previous blog, we discussed damages in personal injury cases and how victims injured by negligence have the right to seek a financial recovery of their economic and non-economic losses. Aside from holding at-fault parties accountable for their negligence, recovering your damages after a preventable accident is one of the foundational purposes of a personal injury case. This is because our civil justice system recognizes the profound setbacks injuries and recoveries can have on the lives of victims and families, and that victims should never be forced to bear the burden of their damages when they were caused by another’s negligent or wrongful conduct.

Ross Moore II, P.C. is a proven personal injury law firm that focuses exclusively on helping victims whose lives have been upturned by preventable accidents, including those resulting in injuries, catastrophic physical damage, and death. We know that these are difficult times, and we leverage the experience of injury Attorney Ross Moore II to aid victims in navigating the legal pathways toward the compensation they deserve. Our objective of recovering damages is fueled by our passion for ensuring victims have the resources to cover their expenses and future needs.

When it comes to recovering damages, it is important to understand why this legal remedy exists. Here are a few key points to remember when understanding your rights as a victim.

  • Personal injury claims are based on negligence – Personal injury lawsuits are torts of negligence. This means they are legal actions in which victims can hold the responsible party liable for the injuries and losses they cause victims. Personal injury lawsuits are handled in our civil justice system, which is one of the most important venues for victims to make their voices heard and to capture the opportunity for addressing injustices, abuses, and wrongful or negligent acts. When a negligent individual or entity fails to uphold their legal duty of taking reasonable measures to keep victims free from preventable harm that could and should have been avoided, our laws state that they should be held liable for victims’ damages.
  • You break it, you buy it – This common phrase is a concept through which personal injury cases can be easily understood. If you are in a store and decide to pick up an object, and negligently drop and break that object, you will often be held accountable for doing so, and will have to pay for that object. This is because it creates damages for the store; they can no longer sell a broken item, and would otherwise take a loss. Taking a loss is often not feasible for injured victims who suffer serious injuries that require costly medical treatment and time away from work, in addition to creating extensive emotional challenges. As such, at-fault parties who create these damages for victims can be held liable.
  • Making victims whole – The primary purpose of recovering damages is to ensure that victims are made whole and that they are not forced to bear the extensive burden that preventable injuries can create. After all, injuries have the potential to impact victims’ lives, as well as the lives of their loved ones, in profound ways, emotionally, physically, and financially. By recovering compensation for your medical bills, pain and suffering, lost income, and more, many concerns can be alleviated, and you can focus on recovery.
  • Accountability – Personal injury damages have an added purpose of ensuring that individuals who harm others due to their negligence and wrongful acts are held accountable under the law. This concept of accountability and liability is essential not only for victims, but also for making it clear that such conduct should never be tolerated. We have legal obligations when we get behind the wheel, treat patients, open a store, manufacture products, or engage in other activities where we need to take reasonable measures in ensuring our actions or products do not pose unreasonable risks. If no one were to be held accountable for failing to uphold these legal duties, injuries and injustices would happen all the time, and victims would have little recourse.

If you or a loved one have been injured in a preventable accident or as the result of using an unsafe product or medication, it is your legal right to take action and pursue a recovery of your damages. Our legal team at Ross Moore II, P.C. has dedicated their professional careers to helping victims and families accomplish just that, which is why we have been successful in securing millions of dollars in recoveries for our clients. If you have questions about your rights or wish to discuss your unique case, call (404) 491-8511 for a FREE consultation.