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Does the insurance company really have my best interests at heart?

If you’re driving in Hawaii and are struck by another person, your immediate concern should be for your own health and wellness. The priority in this situation is to get the medical care you need to start your recovery.

Many people do worry about the cost of medical care and how they’ll be able to afford the treatments they need. Fortunately, if you are hit by another person and involved in a car crash, their insurance coverage should kick in and help you cover your losses. The insurance company may reach out to you to talk to you about settling your case, but you need to be wary.

Insurance agents aren’t there as friends

While the agent that wants to speak with you may seem kind and respectful of all you’ve been through, they are not there to be your friend. Their goal isn’t necessarily to do what’s best for you or to make sure you get all you need out of the settlement. Instead, they will be trying to save money for their employer.

Insurance companies want to settle for as little as possible. This is often why they call those who have been hurt and hope that they can get them to settle before the true value of the injury case is understood. It’s not wise to talk to the agent or to settle without understanding how you’ll be impacted by your injuries in the long-term.

What should you do instead of speaking with an insurance agent?

Instead of talking to the insurance company, send them to your attorney’s office. Your attorney is a master negotiator and will be able to work on getting you a better settlement than what you were initially offered. In many cases, you’ll find that you can negotiate for more as you learn more about how your injury will affect you and gather further documentation.

Never settle without understanding how much this collision will cost you. Remember, the other driver, as well as their insurance company, can be asked to pay out a fair settlement for what you’ve been through. It’s your right as a victim to ask for fair treatment.