Fort Smith Insurance Claims Lawyer
As a general rule, it is safe to assume that your insurer will not pay you a single cent more than they have to pay you following a car accident. While it is easy enough to understand their standpoint, they should know that you are not going to be happy with anything less than the terms that your policy dictates, either.
Insurance companies are aware that their customers may not have the legal knowledge necessary to fight back against unfair or insufficient compensation for an insurance claim. The process of fighting back against an insurance agency can be long and frustrating, especially in the aftermath of a serious car accident.
As an insurance company customer, you deserve to receive the monetary compensation after a car accident that you have been paying premiums for. If your insurance company will not compensate you for a valid insurance claim, their actions are not only wrong, but they may also be unlawful. You do not have to stand by if an insurance company attempts to take advantage of you.
At McCutchen Napurano - The Law Firm, our Fort Smith insurance claim attorneys know just how contentious battling with an insurance company can be after a car accident, and we have the experience you need on your side to fight for full and fair compensation. If your insurance company is refusing to offer you the appropriate amount of compensation that is covered by your policy after a car accident, legal expertise is the best way to guarantee that you receive the money that you deserve. Contact McCutchen Napurano - The Law Firm today at (479) 783-0036 to learn how we can help you during this difficult process.
Why You Need a Lawyer
When you are purchase insurance, you trust that the company you have chosen will protect you and your loved one’s financial interests during some of the most difficult situations in your life. Insurance companies are supposed to provide assurance that a serious accident will not derail your life or your future, but this system is only effective if the company honors its promises.
Unfortunately, not all insurance companies sufficiently protect their clients when they are in an accident, which may put the full weight of managing this financial burden on you. If you know that you are not receiving the compensation you deserve, trying to fight against a large corporation may be impossible if you enter the fight alone.
These corporations understand how to use their law to their advantage, and without a lawyer on your side, they will take advantage of you. A qualified insurance claims lawyer has years of experience and will understand how to best protect your rights. Using in-depth legal knowledge and extensive resources, a lawyer can help you make the best case for your claim.
Why Choose Us?
The legal team at McCutchen Napurano - The Law Firm understands how discouraging it can feel to fight back against a large corporation. This is why we are dedicated to supporting our clients during this battle and protecting them against the serious stress that they may experience during this time.
For this reason, our firm has created a “Client Bill of Rights,” which contains our promise of exceptional service to every person we have the honor of representing to win compensation for losses they have suffered in accidents that they were not responsible for.
When you work with one of our lawyers, you can be assured that we will provide you with high quality and truthful advice, which will help you understand your ability to receive compensation. Furthermore, we understand the importance of your time and money, and we believe you are entitled to a fair legal fee. Our lawyers are prepared to work to protect your rights and your financial interests.
We understand that it is important to feel confident that your lawyer is working in your best interest, especially during the difficult time you are experiencing after an accident, which is why we have created our firm based on these essential guiding principles.
Understanding Insurance Company Profits
When an insurance company agrees to insure a new client, they begin by assessing the risk of that client. This process may include understanding the type of risk the client is prone to. For example, insurance companies may consider adolescent males a greater risk that adult males, due to statistic evidence of reckless behavior in young-adult men, which is greater than that in adult men.
Additionally, insurance companies also consider the number of accidents or medical difficulties an individual has experienced when they are opening a new policy. These factors can significantly increase the amount you pay each month for your insurance policy. However, insurance companies use these factors as a way to manage the risk they take when insuring a new customer, based on the likelihood that they may experience an accident.
When you enroll in an insurance policy, the company specifies the price (premium) that you will pay each month. When you pay this premium, you are guaranteed protection against the extreme financial expenses caused by a number of different accidents covered by your policy.
By assessing the risk posed by each client, insurance companies are able to protect their financial interests. This system ultimately allows insurance companies to profit from clients who never have to file a claim while having the money to assist those who do. Unfortunately, some companies choose to profit off of clients, even when they have a legitimate insurance claim after an accident.
Pursuing Fair Compensation for an Insurance Claim
Although insurance companies claim that they are on your side in the event of an accident, the unfortunate truth is that they profit when they do not have to provide compensation or they provide compensation that is far less than what you should receive.
While some insurance companies truly aim to protect their customers, others understand that they can earn more if they do not. When an insurance company minimizes or disregards the importance of your claim, they are increasing their own profits.
Companies who operate under these conditions do not want to actually provide help for their customers when an accident happens. If your insurance company is not following the terms of the policies they are providing, they are not just harming you or your family, but they are also breaking the law.
It is essential that these companies are brought justice and that you receive the financial compensation you need after an accident. Though the prospect of taking legal action against a large insurance company may seem overwhelming, this may be the only way for you to recover the full compensation that you need under the exact terms of your policy.
That is why you contact an insurance claims attorney immediately when an insurance company engages in any of the following behaviors:
- Pressuring you into a quick settlement
- Arguing that your claim is not covered under your policy
- Downplaying the injuries or property damage you experienced
- Utilizing excuses such as problems with the information in your claim
- Disputing actions taken or medical treatment needed after an accident
- Underpaying your claim
- Canceling your policy altogether without reason
- Failing to respond to your questions or comments
These are just a few examples of the tactics that insurance companies may use to justify under-compensating or denying your insurance claim. Despite what your insurance company may want you to believe, you do not have to accept their attempts to use time limitations, excessive or useless questioning, or blaming tactics. Whatever the particular circumstances of your accident happen to be, our attorneys can evaluate your claim and then help you make an informed legal decision about what you should do next.
Consult with an Insurance Claims Attorney in Fort Smith
If you believe that your insurance company or another insurance company is wrongfully denying your claim, it will be in your best interests to reach out to an attorney who can interpret the exact circumstances of your accident and who can pursue whatever legal action may be necessary to help you fight to have your claim handled fairly. To speak with a Fort Smith insurance claims lawyer at McCutchen Napurano - The Law Firm about what legal action you may be able to pursue, please call our offices at (479) 783-0036 today.