Florida – Do I need to cooperate with the automobile insurance company?
If you have been involved in an accident, especially if you are injured and/or not at fault, contact with insurance companies is inevitable. Do not hesitate in hiring an experienced personal injury attorney to represent you because the insurance companies may not have your best interests in mind.
Do not speak to another driver's insurance company without legal representation!For starters, the insurance company for the other driver:
--is looking out for their driver, because they don't want to have to pay out a claim
--wants to find you at fault
--wants to take your statement to lock you into testimony, about both the accident and your health
--will often times hire an attorney even before there is a lawsuit involved to push their position and agenda.
Legal representation is important for dealing your own insurance, too.Don't think that just because you pay them, that they are on your side. Your insurance company also has a job to do, and:
--may want to take your statement, which may involve their own attorney asking you questions, thus having your own legal representation is important
--may require many documents from you
--may require you to go to multiple medical examinations, at their expense, whose sole purpose is to get a second opinion to use to stop paying your medical expenses because their doctor feels your medical treatment is not reasonable, related or necessary
--If you are making a uninsured/underinsured motorist (UM) claim, they may wish to not pay out the fair value of this claim
--Or they may wish to find a loophole to avoid covering you altogether.
Legal representation can be the difference between a fully paid claim and a completely denied one.It is critical to remember that after an accident, the most important thing is making sure you do everything possible to ensure that you are protected. Remember, insurance companies devote entire divisions of their resources to legal expertise far beyond the knowledge or capability of the average person. There are of course a variety of other moving parts in an automobile accident injury claim, which makes hiring an experienced personal injury attorney a necessity after an accident.