I am often asked why should I hire an attorney if I am involved in a wreck as the insurance adjuster is being nice to me. The reality of the situation is that the adjuster/insurance company will begin doing their investigation immediately and are only looking out for the best interest of the insurance company. You need a attorney who will work for you immediately to preserve evidence and witness statements. Often times I am hired six months, a year or sometimes two years after the accident. By that time evidence is lost, witness' are not available etc. Once hired we will review accident report and begin our investigation and protect your interest just like the insurance companies are protecting the interest of their insured or the company they represent. Never depend on the adjuster or the insurance company to protect your rights.
Also in a majority of the accidents the person who hit you carries the minimum policy limits of $25,000.00. One Emergency Room Visit with CT scans etc can cut into that amount quickly. You may be entitled to collect uninsured or underinsured motorist benefits on your policy of insurance without your premium going up. You paid for this coverage to protect you in this event. By hiring a attorney we will investigate all coverage's available to you.
In the claims process, insurance companies have always held a big advantage. Armed with a battery of legal and forensic experts and extensive resources used to investigate and handle claims, insurance companies have often projected a "David and Goliath" image when dealing with an insured challenging the settlement of his or her claim.
Typically, injured clients and families as well as people against whom claims are brought, do not have the experience necessary to handle a claim for coverage under an insurance policy. Without foreknowledge of the policy, coverage, exclusions, and interpretations, the insured feels helpless when presented with the insurance carrier's interpretation of the policy terms and settlement offer.
Oftentimes, injured individuals and families recover less than what the policy provides and sometimes, nothing at all. In accidents involving uninsured motorists, many people don’t understand the limits of their own auto insurance liability policy and that it may cover personal injuries and other compensatory damages under uninsured or underinsured motorist coverage.
At the law offices of Timothy M. Farris, we know Mississippi insurance law, and are well versed in the interpretation of insurance policy language as well as the litigation of insurance claims. We understand insurance practices and procedures and are well suited to guide clients through the frustrating process of a personal injury case. We offer clients outstanding service, representation, and results in all aspects of insurance law, including litigation, as well as mediation, arbitration, and other alternative dispute resolution (ADR).
To learn more about what attorney Timothy M. Farris can do for you, contact our offices today. Representing clients throughout the state of Mississippi.