A Lawyer Who Knows How To Deal With Car Insurance Companies
Our attorney fight for the rights of the injured
Dealing with an insurance company after a car accident can be a very unpleasant experience. All you want to do is recover the financial compensation you deserve for your injuries. All they want to do is pay you as little as possible. When an insurance company is complicating your claim, it’s time to call Thompson Law.
Attorney Christopher “Kim” Thompson has a unique insight into dealing with insurance companies. He spent years working as a claims adjuster and claims supervisor. He has seen firsthand how insurance companies approach car accident claims.
Here’s the first thing you should know – insurance companies are not on your side. After an accident, they are acting in their best interests, not yours. The main goal of insurance companies at all times is to keep profits high. The best way for them to do that is to focus on finding ways to keep payments low.
Here are some of the tactics insurance companies use to try to pay you less:
- The initial settlement offer – Shortly after your car crash, you may hear from the insurance company. They will offer you a settlement of your claim. They are promising quick payment. Your medical expenses are starting to add up and there less income coming in because you can’t work. The offer sounds tempting, and it’s the best that they can do, they might say. Don’t believe them. Their offer will far short of covering the damages you have suffered. The insurance company is just hoping you will settle for less.
- Disputing your injuries – The insurance company may dispute the extent of our injuries and insist that they aren’t that bad. They may want you to go for an independent medical examination. What they really want is for you to be examined by a doctor who will see things their way. Attorney Thompson can help you prepare for these exams to make sure the doctor has all of the necessary information.
- Challenging the cause of your injuries – An insurance company may argue that your injuries were pre-existing and had nothing to do with your crash. They may seek access to your medical records or talk to witnesses for evidence that you had similar injuries in the past. Attorney Thompson focuses on the facts to help prove that your injuries were caused in the crash.
- Delaying your claim – Sometimes, an insurance company will delay the processing of a claim. There are different ways they’ll do this. They may ask you for unnecessary documentation. They’ll say they are still investigating what happened. In the meantime, you may be struggling to meet your medical bills. The insurance company may then make you a lowball settlement offer, hoping you will take it and not ask questions.
- Assigning blame - The insurance may try to prove that you were partially to blame for causing the accident that left you hurt. They do this because if they are successful, it helps them save money. Under Tennessee’s modified comparative negligence system, a percentage of liability is assigned to each party involved in the accident. This affects the amount of compensation that you can receive. For example, if you are found to be 40 percent at fault for the accident, the insurance company would only be responsible for paying 60 percent of the damages.
Attorney Kim Thompson doesn’t put with insurance company tactics. He builds strong cases to help you get the financial compensation you deserve. Learn more about how he can help. Contact us today to schedule a free consultation.