Following a devastating car accident, Arizona car accident injuries are the first concern of their innocent victims. The first thought of their loved ones is not typically “I wonder how much the insurance company will give me?” Car accident injuries are sometimes life threatening and leave many victims. Families are focused on putting the pieces of their lives back together. In order to do this, they are often left wondering who will pay the mounting medical costs of recovery. Or in the unfortunate instance of a loved one’s death, how they will continue without that person in their lives. Car accidents injuries are also expensive and you can be slow to recover.
Much to the surprise of many who find themselves in these situations, insurance company representatives are just as involved as the people who were in the cars at the time of accident. You and your loved one’s Arizona car accident injuries should be thoroughly evaluated. But by your own healthcare provider and away from the prying eyes of an auto insurance company.
Car accident injuries, to an insurance company, are something to which it can, and will, assign a dollar amount. While many car accident victims are undergoing treatment for their injuries and their loved ones are still grieving, the insurance company of the driver who caused the car accident will be making calculations. The first inquiry they will undertake will be one of liability. But even in clear cases where their client is liable, there are ways that a victim can be left footing the bill for more than their share of the damages.
Following an accident in which there is bodily injury, an insurance company will typically assign a representative, or claims adjuster, to the case. That person’s job is to evaluate the damage. Their evaluation will be very different than that of the injured person’s family and friends. To an insurance company, a person is the sum of their parts, and injuries to those parts can carry with them differing valuations. For example, a head injury may be “worth” significantly more than a broken leg. In order to evaluate how much an injury is worth, insurance adjusters will typically look to the treatment received by the injured person and how much future medical care they may need.
In car accident cases that involve DUI, the insurance company of the drunk driver typically tries to settle any claims. Before settling, however, victims and their families may wish to speak to someone who is knowledgeable about all the factors that go into calculating a fair settlement offer. As discussed above, an insurance company will typically assign value to bodily injuries. But a fair settlement should also take into account less concrete factors, such as pain and suffering, lost earnings or wages, and even loss of enjoyment of certain activities the injured person engaged in prior to the injury.
If you or a loved one has been the victim of a drunk driver, do not hesitate to call the Thompson Law Firm. Our professionals can offer guidance or representation so that you receive a fair settlement offer from an insurance company following an accident.