Leon Truck Accident Injury Attorneys

The wide network of highways often witnesses trucking accidents causing significant disturbances and severe injuries. In such challenging times, trucking injury lawyers offer dependable support, providing survivors with guidance and assistance. These legal experts navigate the intricate field of trucking laws and regulations.

You vs. The Insurance Company: 6 Little Known "Secrets" to Getting a Fair Settlement

We all want to be treated fairly in life, whether by our employer or an insurance company. When it comes to insurance settlements, knowing the right tactics can make a significant difference. Here are six little-known secrets to help you secure a fair settlement:

1. Know Your Facts and the Law

Handling a case on your own requires a solid understanding of the facts and how Iowa laws apply to your situation. Without this knowledge, the insurance adjuster may try to push you around. Adjusters are trained to use various techniques to convince you to settle for less than what your case is worth. One common tactic is the "I am your friend" approach, where they promise a fair settlement and suggest that hiring a lawyer will only cost you more money and time. What they won't tell you is that they can legally lie, cheat, and manipulate to settle your case for less.

Another tactic is to downplay your case, suggesting you should settle because you won't get more than their offer. For instance, they might claim they only pay for three months of treatment after a "soft-tissue" injury, asserting that such injuries always heal within that period. In reality, you may need more extensive treatment and deserve higher compensation.

2. You Do Not Have to Give a Recorded Statement

In most cases, you are not required to give a recorded statement to the insurance adjuster from the other side, especially if the police were involved and a report was filed. Politely decline and refer the adjuster to the police report and your medical records. Sometimes, providing a non-recorded statement may speed up the claims process, but consult a qualified Iowa personal injury attorney if you are unsure.

3. Always Tell the Truth

Honesty is always the best policy. Insurance companies have extensive databases with information on any previous claims you've made. If you lie about past claims and the adjuster finds out, it can significantly hurt the value of your current case.

4. Ask About Insurance Coverage

In car accident and personal injury cases, inquire about the available insurance coverage. This often catches adjusters off guard, especially when coming from someone without an attorney. They might be reluctant to disclose this information, but knowing the coverage limits is crucial. Iowa law mandates a minimum of $20,000 per person for personal injuries in car accidents. If your injuries are severe, you might need to look at your own underinsured motorist (UIM) policy for additional coverage. Remember to follow specific requirements like obtaining permission from your insurer before settling.

5. Making Threats Won't Help

Threatening to sue or demanding to speak with the adjuster's boss is counterproductive. Adjusters are professionals trained to minimize payouts, and threats will only make them see you as an angry, less credible claimant. Additionally, they have teams of lawyers ready to defend the case, so threats don't intimidate them. Focus on presenting a well-documented case instead.

6. Know How Much Your Case is Worth

Negotiating with an insurance adjuster is challenging if you don't know your case's value. Research similar cases in Iowa and their outcomes. Understanding the potential value of your case helps you negotiate more effectively. 

Dealing with Insurance Adjusters

In Leon, understanding how to deal with insurance adjusters is crucial. Adjusters often use tactics to minimize the amount they have to pay. For more insights, consider reading articles such as "How To Deal With An Insurance Adjuster In Leon: What Not To Say," "Common Tactics And Defenses Insurance Adjusters Use In Personal Injury Cases," and "Should I Talk To The Insurance Company After An Injury?"

Legal Options After a Truck Accident

If you've been involved in an accident with a semi-truck, knowing your legal options is critical. Semi-truck accidents can be severe, often caused by driver errors, mechanical issues, or improper loading. Establishing negligence and understanding the modified comparative fault laws in Iowa can affect your ability to recover damages. 

Should You Hire a Car Accident Lawyer?

Hiring a car accident lawyer can be beneficial. Qualified lawyers usually work on a contingency fee basis, meaning they only get paid if they win your case. They handle all communication with insurance companies, obtain medical records, and keep you updated. If the lawyer you're considering doesn't operate under these principles, it might be a red flag.

Contacting Walker, Billingsley & Bair

At Walker, Billingsley & Bair, our team is committed to ensuring you receive the compensation you deserve. We handle all injury cases on a contingency fee basis and manage all necessary documentation and communications.

Walker, Billingsley & Bair is prepared to act fast to defend your rights after a truck accident in Iowa. Contact our office at 641-792-3595 to speak with an attorney.