The Personal Injury Process: Insurance and Injury Victims’ Rights to Fair Recoveries

The roads of Nashville can be dangerous. You might be a very good driver. You might not drive distracted, or drowsy, or drunk, or in inclement weather. But, that doesn’t mean someone around you doesn’t operate their vehicle in that manner. You might think that when you are rear-ended, it should be an open and shut claim for the at-fault driver’s insurance company. However, this isn’t always the case.

Insurance companies don’t want to pay claims

Insurance companies are in the business of making money, not spending it. Even though you’ve spent years paying into the insurance pool with your expensive premiums, it doesn’t mean an insurer will willingly pay your claim. The same goes for when you file a claim against someone else’s policy following a car accident.

Here is the first problem. Insurance company profits are based on how cheaply they can defend, deny, and limit compensation paid to injury victims in cases like this. Insurance companies do not just take protection money and swoop in and make it all right when things go wrong. Insurance companies are multibillion-dollar international corporations designed and engineered to take in as much money as they possibly can in premiums and pay out as little as possible to resolve claims.

You deserve compensation

The fact of the matter is that you deserve compensation when injured by someone else in a car accident. When you file a claim against someone else’s insurance company or sue that insurance company, you are not doing so because you are looking for a quick payday.

There’s no reason you should use your own insurance or money out of your own pocket to pay for medical treatment, repairs to your vehicle, or other expenses incurred because of the car accident. You aren’t looking to hurt the other party involved. You just want what you are legally entitled to as an accident victim.

An accident injury can cause you to miss work. It can cause you to never be able to work again. Filing a claim or a lawsuit against the insurance company helps you continue to provide for your family; to keep food on the table, to keep a roof over your family, and to put clothes on their backs despite being unable to work.

What if I caused the accident?

If you were the at-fault driver in a car accident, you are well within your rights to tell your insurance company how to handle the claim. You can instruct the insurer to pay the claim. You can instruct the insurer to fight the claim. You don’t have to accept the lawyer assigned to your case by the insurance company. This lawyer will be working to help the insurance company, not you, which creates a conflict of interest. You have the right to hire a personal lawyer to review and handle your case.

Were you or a loved one injured in a Nashville car accident? As the victim, you have the right to fair recovery for damages incurred. Speak to a personal injury lawyer from the Rocky McElhaney Law Firm today about your situation. Call our office at 615-425-2500 or complete a contact form to schedule a consultation. We operate offices in Nashville, Hendersonville, Knoxville, and Clarksville to better serve our clients.