The Brave Law Firm, LLC has extensive experience representing auto accident victims in Wichita and throughout Kansas who are stymied by typical insurance industry practices designed to deny valid claims. If you are involved in a collision with a driver who is at-fault, the at-fault driver’s insurance companies may use a wide range of strategies to avoid paying the full value of your claim. One of the most common strategies employed by insurance companies is to simply delay paying claims. When you are injured in a Wichita car accident, you may face extreme financial challenges, including staggering medical expenses and a prolonged period of disability from employment. Insurance companies count on this pressure and often use it as a strategic tool. The more desperate the victim becomes for income, the more likely that victim is to accept a low-ball offer from an insurance adjuster.
Insurance companies are particularly motivated to drag out negotiations when a Wichita car accident victim does not have legal representation. The insurance industry makes billions of dollars each year processing an enormous number of claims so insurance companies know that they have the advantage in litigation against a car accident victim with no legal expertise on his or her side. In some cases, the insurance company may even go through the motions toward settling a claim while waiting for the statute of limitations to expire. Generally, the statute of limitations for injuries or wrongful death in a Wichita car accident is two years from the collision. This means that you must formally initiate a lawsuit within this period of time or be barred by the statute of limitations. There is no “hardship” or “good faith” exception to failing to comply with the statute of limitations so insurance companies often take advantage of a layperson’s lack of awareness of this critical deadline.
Even when you file a lawsuit in time to avoid statute of limitations issues, insurance companies frequently rely on the financial pressure created by delaying settlement of a claim. Accident victims still have mortgage payments, utility bills, grocery expenses and other ordinary household costs even when they are injured in a Wichita auto accident and unable to work. Insurance adjusters recognize that time is on their side. The longer the elapsed time where a Wichita car accident victim cannot work the greater the financial pressure to settle the case. While an experienced Wichita car accident attorney may be able to exploit legal remedies for tactics designed to delay resolution of a car accident claim, insurance adjusters know that they have the advantage against an injury victim unfamiliar with the legal process. Sometimes a Wichita car accident lawyer can even provide clients with financial advances against a car accident settlement easing a client’s financial hardships while a case is pending.
While insurance companies do not necessarily expect Wichita car accident claims to go away based on delaying the settlement, they know that as injury victims face mounting bills and time off work the financial incentives to settle for less than the value of a claim grows substantially. Our experienced Wichita auto accident lawyer do not hesitate in holding insurance companies accountable for unreasonable delay in settling a valid car accident claim. For example, we may seek monetary sanctions or ask the court to limit the evidence the insurance company can present at trial when insurance providers fail to comply with our discovery request in a timely fashion. Our experienced personal injury attorneys understand the tricks used by insurance companies, and we do not hesitate in confronting such tactics head on when pursuing the best outcome for our clients.
Another common tactic our Firm sees used by insurance companies is to tell victims “we’ll get your claim settled, but first we need to see your medical records. Please sign all these authorizations and once we have them back we can talk.” Not knowing any better, the injured victim does as requested. Then, nothing happens. The injured victim will then call the insurance company and ask if they are going to compensate him or her for their injury. The adjuster will then say “No, we took those authorizations you signed, got all your medical records and went through them and discovered that ten years ago you had a prior accident and now we aren’t going to pay you anything. Bye.”
In many cases, that is when the injured victim contacts us for help. We are then able to sort through everything and get the case straightened out. It is a mistake to believe that the at-fault driver’s insurance company is on your side. It is not. Insurance companies do not make tons of money by paying injured victim’s fair compensation. They make tons of money by not paying fair compensation. It is best to consult with an attorney before you do anything with any insurance company. Otherwise, you are running a significant risk that you are being taken advantage of because the insurance companies are not acting in your best interest.
The Brave Law Firm, LLC offers an initial free consultation so that we can evaluate your case. We invite you to call us and schedule your free consultation today at (855) 232-7283.