What is a Personal Injury Claim?

A personal injury claim can arise when an individual is injured by the negligence or intentional act of another. Examples include slip and fall cases, automobile collisions, accidents on construction sites and other injuries due to negligence.

If you have ever been in an auto accident, you already know what a difficult process it can be. But, if you recently have been in a car accident, you may feel overwhelmed and confused. On top of the physical discomfort of your injuries, you most likely have a damaged vehicle, medical bills, lost wages and two insurance companies with which to deal.

It is a common mistake for people to believe that their insurance companies work for them. You pay for insurance.  The insurance company works for you, right?  Their slogans and commercials often create a perception that the companies’ teams of agents, adjusters and claim processors are waiting to take care of their customers if and when needed.

Unfortunately, in many cases this simply isn’t true. Insurance is a big, multi-billion dollar business. These companies are not altruistic, but stay in business by making a profit. Their number one concern is their bottom-line, not their policyholders’ well-being. That does not mean that there are not some honest people working in the insurance industry or that there are not some claims that are paid fairly, because there are. However, this is not true in all cases, or even in most cases, so it’s best to be aware of what may happen with your insurance company after you have been in accident so that you are prepared for it.