Should I Accept the First Offer From Insurance Companies After Truck Accident
It is a common habit for insurance companies to reach out to accident victims and make an offer. This also applies when you are in involved in a trust accident and you may get a quick offer from the insurance company. In most cases, the insurance adjusters are witty and will try to convince you that you need the money for the medical bills and other expenses. This can be a tempting offer and there some people who make the mistake of taking this settlement, which is usually lower than the rightful amount.
You should not accept the offer from the insurance company as they will hardly make a reasonable offer. How can you tell if you are getting the right offer and if I should accept it? Please read on before making a decision.
Contact an Experienced Truck Accident Attorney
Right after an accident, you should contact an experienced truck accident lawyer. Most accident victims do not know how much compensation to seek and as such, may end up with a lower settlement. When you get in touch with a licensed and qualified lawyer, they will help you get the rightful compensation. These are experts that can help you in various ways so as to make such that the settlement is comprehensive.
A good truck accident lawyer will help you in a number of ways including:
Evaluating the Extent of Injuries
There are so many injuries that you may have sustained and they will incur quite a number of treatment costs. Most people do not know how to calculate the actual damages to seek. The lawyer will evaluate the extent of the injuries and determine the effect on the quality of your life.
The medical costs will pile up and you may not be in a position to factor all of them. Some of the costs include:
- Hospital admission costs
- Medication costs
- Treatment costs
- Hospital visits
- Medical equipment
Therapy Treatment Costs
After the truck injury, you may need some form of therapy, which will cost quite some money. Physiotherapy is essential to help with the recovery from various injuries. In addition to the physical injuries, you may have suffered from psychological injuries, which are treated using cognitive and behavioral therapy. An auto accident lawyer will capture this cost as part of the damages.
Loss of Income and Opportunities
Depending on the extent of the injuries and the time it takes to recover, you may end up losing your job or business. In addition, you will not be able to take up opportunities that can help increase your finances.
When an insurance company comes with an initial offer, you should not accept it. They will not factor most of the damages as they will focus on the immediate treatment only. It is advisable to engage an experienced truck accident lawyer as these are experienced experts. A qualified lawyer will factor in all the elements to ensure that your settlement is fair and reasonable.