PERSONAL INJURY “MYTHS”

 

  • If you write the insurance company a letter and are reasonable in your demands, you will receive a fair settlement proposal.
  • When you are involved in an accident, and the Insurance Adjuster calls and requests that you give a “recorded” statement, you have to give the insurance company a “recorded” statement or they won’t settle with you.
  • The Insurance Company for the person who caused the accident is obligated to pay your medical bills and lost wages as they are incurred.
  • If there has been an accident, and it wasn’t your fault, there will be an insurance company stepping forward to pay for your medical bills, lost wages, injuries, car damage and car rental damages.
  • There are laws that regulate the way insurance companies must treat injury victims and the insurance companies abide by those laws (soon we hope thanks to Pearse Doherty).
  • If you go to Court, and just tell your story, a Court will feel sorry for you and award you fair and adequate damages for all the harm and losses you have suffered.

Insurance companies are multi-million or multi-billion Euro Companies that are run by boards of directors. Insurance companies have stockholders who expect to receive dividends on their investments. Insurance Companies are in business to make money.

The key to making a profit in the insurance business is to pay less in claims. The less money the Insurance Company pays to settle your claim, the greater the profit margin for the Insurance Company. They are entitled to profit from their business and all that anyone decent wants is fair play !

The Adjuster from the at-fault party’s insurance company may be a friendly and likeable person. The Adjuster may coach an underage sports team, do volunteer work, and be a generally decent person.   However, he has a job to do.  Regardless of how friendly or concerned the Insurance Adjuster seems to be, his or her job is to protect the financial interests of the Insurance Company. Insurance adjusters are extremely competent are knowledgeable while most claimants have little or no knowledge or experience in determining the fair value of their claims.

Remember, the other party’s insurance company is under no obligation to inform you of your legal rights or obligations.  Even though the insurance industry maintains detailed statistics and databases on settlements and outcomes in personal injury cases, the Insurance Adjuster is under no obligation to tell you what the Insurance Company has paid out to settle similar claims.

Each year, thousands of people never take any action to recover the compensation they are rightly entitled to.  This isn’t because they don’t want compensation.  Of course, they do.  It’s because they just don’t know what to do or are  dissuaded by heavily biased Insurance advertising.

 

SECRET No. 1:

INSURANCE COMPANIES DON’T WANT YOU TO HIRE A SOLICITOR 

SECRET NO. 2

YOU MUST TAKE IMMEDIATE ACTION TO PRESERVE YOUR RIGHTS

SECRET NO. 3

TAKE PHOTOGRAPHS AND MORE PHOTOGRAPHS

Secret No. 4

KEEP A WRITTEN DIARY – YOU WILL BE GLAD YOU DID 

Secret No. 5

KEEP RECEIPTS OF EVERYTHING

 

DO’S AND DON’TS IMMEDIATELY AFTER AN ACCIDENT

 

  • Don’t discuss fault;
  • If you are feeling pain, seek medical attention immediately;
  • Don’t deny any injuries you have suffered;
  • Locate witnesses and get their phone numbers, if possible;
  • Do not give any statement to the other person’s Insurance Company;
  • Go back to the accident scene and take photographs;
  • Take photographs of your injuries;
  • Start a diary and write down things you remember about the accident;
  • Report the accident to your Insurance Company;
  • Don’t make up injuries you don’t have and don’t exaggerate your pain;
  • Do not miss any doctor or therapy appointments;
  • Obey all of your doctor’s orders and restrictions;
  • Hire an experienced and reputable personal injury Solicitor ASAP.

 

Contact: Mary R. O’Shea Solicitor

O’Shea Russell Solicitors

Main Street, Graignamanagh, County Kilkenny

Tel: 059 9724106

Email: mary@oshearussell.ie

www.oshearussell.ie

 

 

TALK TO YOUR SOLICITOR

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