Coeur d’Alene drivers can find themselves in some pretty tight traffic at certain times of the day. A trip up US 95 or down Northwest Boulevard can put a spotlight on how many drivers proceed while distracted or while ignoring traffic lights. These careless moves put every other motorist at risk of a collision.
A crash involving another vehicle will only put you in contact with other drivers for a few short minutes, but your ordeal with the insurance company they’ve chosen will likely go on much longer. Some motorists pay premiums for the “red umbrella” of protection from Travelers Insurance. Sadly, trusting them while you’re attempting to recover from an injury can leave you feeling as if you’re on shaky ground.
Assistance Dealing with Travelers Insurance After a Coeur d’Alene Accident
Contact you have with a giant insurance corporation like Travelers may not leave you confident after suffering an injury in a car crash. Insurance companies set up layers of protection to keep victims from securing the full compensation they need in recovery. This protection starts with unhelpful phone representatives that read from scripts. It extends to insurance adjusters who know exactly how much your injury recovery will cost, but will turn around and offer you much less.
You can feel very helpless when petitioning Travelers for help, but fortunately, we have a long background in dealing with insurance tactics that haven’t changed very much over the decades. Contact CCD Law for a first consultation that comes at no charge to you. Let us know what you’re dealing with and our attorneys can guide you around the financial traps insurance agents set for victims. Our goal is to ensure that victims get what they need to recover physically and financially.
Travelers Insurance Pitfalls for Car Accident Victims
The first insurance tactic you will quickly experience is the call from a Travelers representative asking for a recorded statement. The rep will ask you about how the accident occurred and about your injuries. You should decline to give any statements of this kind.
Insurance agents are hoping to use anything you say against you later when they try to change the facts of a case. They may claim you were to blame for the accident or try to show that you aren’t hurt as badly as you claim. Any statement you offer can be twisted to support whatever version of events helps them avoid paying you.
Travelers may also get your claim for damages and set it aside for weeks or months. They know you’ll be getting more and more desperate for help as your hospital bills accrue and your lost paychecks add up. If you feel vulnerable you may be more likely to accept any lowball offer they eventually extend to you.
Compensation Commonly Left Out of Insurance Settlements
Insurance adjusters like it when you are flying solo in an accident claim and haven’t talked to a personal injury lawyer. They know you probably won’t know about everything you should be demanding in compensation for after an injury.
Your attorney will know about the challenges you’ll be facing, perhaps even after your dealings with Travelers is done, and know these potential costs in the future should figure into any award now.
These are all hardships an insurance company is hoping you forget to include in your claim:
- Injury Relapse: Injuries can require care months after an accident and even result in the need for a lifetime of treatment. Extended doctor visits, physical therapy, and even more time on the operating table could be necessary. These potential expenses have to be factored into any compensation offered by Travelers Insurance because you won’t be able to ask for more help once your settlement is signed. Your attorney will make sure these factors are all considered before a claim for damages is filed.
- Lost Wages: You may have paychecks missed at work during recovery reimbursed, but it’s important to factor in any work hours that could be missed in the future. A relapse can trigger more hospital stays and time away from the office or job site.
- Permanent Disability: Severe injuries can affect victims for the rest of their lives. An amputation, paralysis in the arms or legs, or brain damage can all lead to a permanent disability. These injuries can require a lifetime of medical care, equipment, and home upgrades. A disability can also affect the ability to satisfy the requirements of a job. The expense of career training for a new job should be covered in any offer of compensation.
- Emotional Trauma: After a terrible accident, victims can experience anxiety. This can lead to a fear of getting back into a car or behind the wheel again. Depression can also result if an injury affects the victim’s enjoyment of life. The expensive hours spent in counseling should also earn compensation for victims.
Contact a Coeur d’Alene Car Accident Lawyer
Reach out to our Coeur d’Alene Car Accident Lawyers after you’ve been injured and find yourself forced to trust Travelers insurance agents for your recovery. A nationwide insurance carrier will have experienced adjusters and lawyers all trying to discredit your claim against them to avoid paying you for your suffering. You should have someone working on your side with just as much experience holding them accountable for every hardship you’ve faced.
Contact us at Crary, Clark, Domanico, & Chuang, P.S. for a free case evaluation to find out what to look out for when communicating with Travelers. We will only offer you advice that is in your best interest.