Monthly Archives: December 2014

Different Car, Same Insurance Company

Hiring a car accident attorney when there’s a potential conflict of interest with the insurance company

Handling insurance claims after a car accident is confusing enough, but what do you do if the other party has the same insurance company? This potentially knotty problem may require the services of a car accident attorney to avoid confusion and ensure that you get a reasonable settlement.

Separate Claims Adjusters

When both parties in an accident have the same insurance company, that company should never issue just one adjuster to handle the claim. The use of separate adjusters or some other internal system of checks and balances is essential to avoid a conflict of interest.

Since accidents involving two people insured by the same company aren’t uncommon, most insurance providers understand how to handle the situation. Each adjuster should evaluate the accident independently before making any contact with the other. If you find that this isn’t the case, it’s time to call an attorney.

Standard Procedure Still Applies

Filing a claim in the event that the other driver shares your insurance company should work exactly the same way as if you had separate coverage. If there are deductibles to be paid or a specific filing procedure to follow, that will all go as usual. Treat the claims adjuster handling the other party’s case as a separate entity just as if they were a completely different company.

After both claims have been filed and evaluated, the adjusters will share their findings and decide who is at fault. If they agree, they’ll work together on a settlement. If not, they’re continue to work separately to ensure a fair outcome.

Profit vs. Fair Payout

Unfortunately, not all insurance companies use fair practices. Sometimes adjusters will come to an unfair settlement without openly speaking to either party and with only the interest of profits in mind. On the other hand, having the same insurance can sometimes result in a quicker settlement due to the company wanting to make both parties happy and avoid a drawn-out internal conflict. Deductibles may also be waived to make the process easier. In any event, adjusters should never “play favorites” by giving one party preference over another.

If you need help navigating the maze of insurance claims after an accident, contact HBO Law Firm. Our attorneys represent only accident victims – not insurance companies – so you can rest assured that your case is never compromised. With offices located in Neenah and Appleton, WI, we’re easy to find and always ready to help ease the aftermath of any auto accident.

Don’t Wait to Get a Personal Injury Attorney

Find out how waiting to call a personal injury attorney can hurt your case down the road.

Taking the steps to file any kind of legal claim is always a little tough, and personal injury cases are no exception. Whether you’re reluctant to get involved in a potentially lengthy court process or can’t help but feel like the accident was partly your fault, procrastinating about getting your formal claim started is a normal and common response to a stressful situation. The problem is that the longer you wait, the weaker your case can become.

Why Is Waiting to Call a Personal Injury Attorney a Bad Idea?

1. Legal Limitations

Although a lot depends on the nature of you case, personal injury lawsuits generally have shorter statutes of limitations – laws that determine the amount of time you have to file a claim – than criminal felonies. In other words, if you wait too long, you might be legally blocked from filing your claim altogether. You can learn more about time limits for personal injury cases in Wisconsin here.

2. Lack of Evidence

Without the guidance of a qualified personal injury attorney, collecting the right body of evidence can be difficult. For example, medical files need to show a strong connection to your accident injuries, while physical evidence should be detailed enough to back up every aspect of your story. Another issue is that evidence can get lost or accidentally destroyed over time, putting your entire case in jeopardy.

3. Inaccurate Memories

While you may never forget your accident completely, exact details can fade with time. What you were doing right before your accident, how the defendant was acting and what happened in the seconds after the altercation are all examples of memories that attorneys rely on to build successful cases.

Even if you think you have everything down exactly as it happened, are your witnesses as reliable? When witnesses play an important role in representing your side of the story, getting their statements while their memories are still fresh can be the key to winning.

4. No Resolution

It’s tough to move forward when you feel like someone else’s reckless actions have caused you emotional, physical, and financial hardships. Handing your case over to a qualified personal injury attorney can put you back in control of your life and help you get closure. Plus, when you act fast, you’re more likely to improve your chances of getting a quick and fair settlement.

Looking for a personal injury attorney? Contact HBO Law Firm directly or visit us online to learn more about our services in Neenah and Appleton, WI.