A person who has been seriously injured in a car accident caused by another driver may discover that this driver’s insurance company seems unwilling to pay a reasonable settlement amount. Insurers may find it easy to make those low offers to individual claimants unless an accident injury attorney in Des Moines, IA gets involved. That creates an immediate red flag that cannot be ignored. The insurance company does not want to risk having a lawsuit filed and the suit becoming public record.
Insurance adjusters do not necessarily want to pay less than the claimant is due, but they want to make sure there is no fraudulent activity going on. They are likely to deny any aspects of the claim they view as questionable.
The Example of Physical Therapy
For instance, the company may not agree to pay for as many physical therapy sessions as the injured person actually needs. They may have suggested limits for customary and reasonable expenses in specific types of injury cases. That restricted view point does not consider that each patient is unique and the circumstances for a similar injury may be quite different.
An insurance code for a certain type of bone fracture, for example, serves to generalize the various details. Nevertheless, one person with that type of fracture may only need three physical therapy sessions, while another needs seven or eight. An accident injury attorney in Des Moines, IA steps in to make sure the claimant receives the deserved financial compensation.
The Possibility of Surveillance
The insurance company may have investigators do some surveillance on the injured person. They may dispute the amount the individual requests if they find any evidence that they have fully recovered while still claiming to be unable to work. They look for indications of fraud in regard to how seriously the person was hurt.
The company representatives may try several other tactics in an effort to pay a lower amount. Lawyers with an organization such as Dutton & Drake are familiar with those strategies and know how to effectively negotiate a more reasonable amount of compensation. Get more information at the website.
