What Is the Role of Insurance in Personal Injury Cases?

Personal injury cases are common and can include car accidents, slip-and-fall incidents, workplace injuries, and dog bites. If you have been involved in an accident that caused you physical, mental, or emotional harm because of someone else’s actions or negligence, you might be entitled to financial compensation from the party at fault. 

Insurance companies and their representatives usually work to settle personal injury claims. Depending on the type of personal injury case, different types of insurance policies and companies might be involved. Consulting with a personal injury lawyer in Portland, like the Warren Allen LLP team, who specializes in these types of cases, is often a good idea since they can help you navigate the claims process, negotiate with insurance companies on your behalf, and represent you in court if you are unable to reach a fair settlement. 

For instance, if you are looking for a personal injury lawyer, ensure they are well-versed in providing solid legal advice and working on all types of personal injury cases, which should include: 

• Vehicular accidents
• Slip and fall accidents (also known as premises liability)
• Product liability
• Animal bites
• Medical malpractice
• Workplace accidents

It’s important to remember that the insurance company of the other party involved in the accident will likely try to settle the claim as quickly as possible while minimizing the financial impact on their client. Understanding the different types of insurance policies and companies you might encounter and their role in personal injury claims might help you be more prepared to ensure the best outcome for yourself. The information below provides an overview of insurance in personal injury cases, including things to watch out for.

Common Types of Insurance Policies Involved In Personal Injury Cases

Many insurance policies offer some coverage for personal injury claims. The following are a few different kinds of insurance and the costs they might cover.

Automobile Insurance

Most drivers have car insurance that provides liability coverage that helps pay for bodily injury or physical damage you might cause in an accident. Depending on the policy, medical bills, car repairs, pain and suffering, and lost wages might be covered. Some states also require personal injury protection or no-fault insurance as part of your plan. This protection might help pay for medical costs and sometimes lost wages not covered by your regular health insurance, no matter who was at fault in the accident. 

Insurance companies generally use a specific formula and minimum amounts the state sets to determine the settlement amount they offer you.

Business Owner’s Policy And Homeowners’ Insurance

Slip-and-fall incidents most often occur at businesses or on private property. Business owner’s policies combine liability coverage and property insurance; some homeowners’ insurance policies can include personal liability coverage. In both cases, the insurance policy could cover the medical bills of a third party who is injured on the property of the business or home due to negligence, like an icy sidewalk, slippery floor, or a loose board on the porch. 

The insurance company sets coverage limits depending on the plan purchased by the business or homeowner. Any settlement beyond those limits would be paid out-of-pocket by the policyholder. Also, it’s important to remember that claims against insurance policies often raise rates for the policyholder, making them more likely to challenge these claims. An experienced personal injury lawyer on your side is especially helpful if the situation becomes contentious.

Workers’ Compensation Insurance

Any time you are injured while on the job, your employer should have workers’ compensation insurance coverage to help cover any medical treatment or lost wages as you recover. Many workers’ compensation claims are paid in full, even if you are at fault. Typically, when you accept payment, you give up any rights to sue your employer for the incident, including for financial compensation for pain and suffering in the future.

Medical Malpractice Insurance

In the United States, all hospitals have medical malpractice insurance, and many healthcare professionals do as well. These insurance policies provide liability coverage related to claims of medical negligence, products, or services that result in a patient’s injury or death. Medical malpractice cases are complicated, and it’s usually best to consult with professionals before pursuing one. 

What Do Insurance Companies Do In Personal Injury Claims?

As a general rule, when an accident is reported to an insurance company, they assign a claims adjuster who will be responsible for the following:

• Investigate the accident
• Gather information and evidence through eyewitness accounts, pictures, police reports, medical records, etc.
• Assess the extent of damages and injuries
• Interview and determine the liability of their policyholder
• Calculate the amount of compensation to be offered
• Negotiate with you or your representative to settle the claim

Insurance Company Tactics To Be Aware Of

Remember that the insurance adjusters work for the insurance company of the other party involved in your accident, not you. They most likely do not have your best interests in mind. To minimize the financial impact on their employer (the insurance company) and their client (the policyholder), they might employ a few different tactics you should be aware of, including:

• Offering a low initial settlement amount
• Pressuring you to settle early, before your medical treatment or car repairs are complete
• Attempting to shift liability from their client to you
• Requesting records, reports, or personal recorded statements from you that might be used against you (such as information about pre-existing medical conditions or prior personal injury claims) 
• Trying to settle your claim before you’ve consulted with a lawyer or pursue litigation

When To Talk To A Personal Injury Lawyer

It’s always a good idea to consult with a personal injury lawyer in Portland before providing recorded statements to an insurance claims adjuster or accepting any settlement offers outright. Many attorneys provide free initial consultations to offer legal advice on protecting your rights. They can also help you assess any settlement offers you might receive and whether you should pursue litigation. 

Negotiating with insurance companies can take time and effort. If you cannot reach a fair settlement agreement with an insurance company, it is in your best interests to work with a personal injury lawyer who can help you file a personal injury lawsuit and represent you in court. When you contact the team at Warren Allen LLP, you will have access to a personal injury lawyer in Portland with a wealth of knowledge and experience representing clients throughout the Pacific Northwest. Dealing with the aftermath of an accident can be challenging. It helps to have a team on your side. Call today to discuss how Warren Allen LLP can help you!