Protecting Your Rights: Insurance Tactics in Personal Injury Cases
When you’re involved in a personal injury case, understanding the tactics used by insurance companies is crucial. Phil Harding of Harding & Associates, P.C., offers valuable advice on how to protect your rights and secure fair compensation.
Understanding Insurance Tactics
Insurance companies often attempt to settle quickly after an accident, offering amounts that seem generous but are typically far below what you deserve. Their main goals are to protect their insured and minimize payouts. Accepting an initial settlement without consulting an attorney could leave you under-compensated for your injuries and damages.
The Importance of Timing and Statements
In Colorado, it’s illegal for the opposing party to request a statement within 15 days of an accident if you’re injured. However, some may still try to obtain early statements to catch you off guard. Early statements can be risky because your injuries may not be fully apparent, and discrepancies in your accounts can be used against you later. For example, if you misjudge the speed of the other vehicle, the opposing party could use data from the car’s Event Data Recorder (EDR) to challenge your credibility.
Proper Documentation of Medical Expenses
Another key point Harding emphasizes is the importance of how you document and present your medical expenses. After an accident, your health insurance often negotiates and reduces medical bills, which is reflected in your Explanation of Benefits (EOB). The opposing insurance might try to settle based on these reduced amounts. However, you’re entitled to the full amount billed, not just the portion covered by your health insurance. Harding advises redacting the EOB before submitting it to the opposing insurance company to ensure you receive full compensation.
Utilizing Expert Witnesses and Technology
Expert witnesses and modern technology, such as Event Data Recorders, can provide critical support for your case. EDRs record data like speed, brake application, and seatbelt usage, which can be vital in reconstructing an accident and determining fault. Expert witnesses, whether medical professionals or accident reconstructionists, can offer authoritative opinions that strengthen your case.
Navigating a personal injury case involves more than just understanding the law; it requires being aware of the tactics insurance companies use to reduce their liability. Phil Harding’s insights highlight the importance of thorough documentation, careful timing, and professional guidance. With the right approach, you can protect your rights and secure the compensation you deserve.
If you’re involved in a personal injury case, having the right legal support can make all the difference. At Harding & Associates, P.C., we are committed to helping you navigate the complexities of dealing with insurance companies, ensuring that you’re not shortchanged by quick settlements or unfair tactics. Don’t face the challenge of securing fair compensation alone—reach out to our experienced team to get the guidance and representation you need. Whether it’s understanding insurance tactics, documenting medical expenses, or leveraging expert witnesses, we’ll help you build a strong case. Contact Harding & Associates, P.C. today to schedule a consultation and learn how we can assist you in protecting your rights and achieving the compensation you deserve.
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