Accident Injuries and Insurance Providers

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Honolulu Insurance Companies Do Not Have Your Best Interests At Heart

Despite their reassuring advertising slogans, insurance companies don’t have your back. They are businesses and they make money by paying out as little as they can – and ideally nothing – on accident claims.

You bought your insurance policy with the expectation that you will be covered if an accident happens, and you expect that other people’s insurance providers will pay you if their insured’s actions cause you harm.

Unfortunately, insurance companies are interested in making a profit, not paying for injury claims. They are eager to collect their premiums, but when faced with a claim, they will deny, delay, or otherwise work to diminish it to save money and boost their bottom line.

If you have suffered serious injuries due to someone else’s negligence and need to pursue a personal injury claim, you should know how the insurance providers could take advantage of your situation. You need to know how knowledgeable Honolulu personal injury lawyers at Recovery Law Center can fight back for you.

At the Recovery Law Center, we are on your side. Our goals are the same as yours. We want to help you maximize the compensation you recover for all your losses. No one else besides your personal injury attorney is looking out for your interests – not the insurance companies, not the police, and not the courts.

Contact us now for a free consultation about how we can help you.

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What You Need to Know About Early Settlement Offers

Some insurance companies will approach an injury victim soon after the accident and offer a small amount of compensation. This may seem like a simple, fast, and easy way to deal with a difficult situation. In truth, the insurance company just wants to make the claim go away as quickly and as cheaply as they can.

If you accept a quick settlement, it may not cover all the medical care you require or all the other losses you suffered. Taking an early settlement can prevent injured people from pursuing more compensation. This can become a problem once the victim understands the true extent of their injuries.

The insurance companies are big businesses and getting through claims quickly and cheaply are their main goals. This may be a good business practice for them, but it hurts injured victims. You need a lawyer who has your best interests in mind when dealing with insurance companies. Finding one is as simple as a free phone call to the Recovery Law Center.

If you were hurt in an accident in Hawaii, do not accept an insurance provider’s early offer without consulting an attorney. The attorneys at the Recovery Law Center’s Honolulu office can review your accident details, your injuries, and the offer you received. We give our clients a realistic assessment of their case.

Our firm deals with the insurance companies all the time. We know when to recommend accepting and when it should be declined in hopes of a better offer or through litigation, if necessary.

Time Limit for Filing Car Accident Lawsuit In Hawaii

Dos and Don’ts of Dealing With Insurers

  • Do be completely honest when making your insurance claim.
  • Do consult an attorney for help valuing your claim and pursuing compensation.
  • Don’t agree to a quick settlement offer without discussing it with an attorney.
  • Don’t try to negotiate with an insurance company on your own. They are very experienced in negotiations, and you may find yourself agreeing to something before taking everything into consideration.
  • Don’t talk to the insurance company without a lawyer. Ideally, you should instruct the insurance company to speak directly to your lawyer.
  • Don’t accept anything less than courtesy and respect from an insurance adjuster. If you feel that they are being overly aggressive or are acting in bad faith, politely end the conversation and consult an attorney.
  • Don’t try to fight a denied claim without a knowledgeable lawyer.

Warning Signs of Predatory Insurance Providers

Some insurance providers may use exploitative practices. Be on the lookout for these tactics so you don’t allow them to take advantage of you.

Remember, you are the victim of this accident. You didn’t ask to be put in this position, and you deserve to be treated with compassion and respect. Anything less than that is unacceptable, and you simply do not have to accept poor treatment.

Actions that may indicate trouble include:

Delaying or Denying Rightful Claims

Insurance companies have a responsibility to pay valid claims in a reasonable time frame. Some insurers attempt to deny valid medical claims outright, or they may delay their responses to your claim requests. This is unacceptable behavior and you should not have to deal with these kinds of actions when you are injured and focused on healing. An experienced personal injury attorney from the Recovery Law Center can assist you in dealing with an insurance provider that is trying to delay or deny your claim.

Offering Unreasonably Low Settlements

Insurance providers may try to offer you a small settlement. This can seem tempting because you probably have medical bills to pay and you may be out of work. Even a small settlement at least offers some money right away. However, small settlements are designed with only one idea in mind: to save money for the insurance company. The legal team at the Recovery Law Center can review your case in detail. We can evaluate the full extent of your losses and advise you whether to accept a settlement offer or negotiate for more.

Claiming You Exaggerated Your Injuries

Some insurance companies can make the claims process more difficult than it should be by giving you pushback about your injuries. They may claim your injuries are made up or are not as serious as you report. Accident victims must be honest about the extent of their injuries. If an insurance adjuster accuses you of exaggerating your injuries, this is a serious allegation. We never want to see an injured victim accused of insurance fraud when you are just trying to get the help you need. If an insurance adjuster reviews your case and then claims your valid injuries are fraudulent, contact our an attorney immediately. We can take over dealings with the insurance company, and we will make sure that your rights are properly represented.

Contact Us Now for Legal Help With an Insurance Claim in Hawaii

For more than two decades, Attorney Glenn Honda and the team at Recovery Law Center have fought for the rights of injured individuals across Hawaii. We work for you, not the insurance company. We’re here to aggressively pursue the best outcome, including monetary full amount of compensation that you are owed.

Contact the Recovery Law Center today for a free consultation with a knowledgeable member of our team.

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