If you were recently involved in a car accident in Shreveport, LA or know someone who was, there are a few things you are going to want to ask either your insurance company or that of the at-fault party before signing any documents or agreeing to any settlements. Unfortunately, insurance companies aren’t going to provide you with all the information we are sharing with you below simply because they are looking out for their best interest and aren’t looking to have to spend more on your claim than what you will allow them to pay.
The truth is, some insurance companies tend to care more about protecting their finances than they do providing you with the compensation you need and deserve which is why we are taking the time to share with you some very important things you need to address with your agent. This way, you don’t lose out on hundreds or even thousands of dollars you may not only need but are actually entitled to.
Below are some questions you will want to bring to the attention of your agent along with the reason why. If at any time you find your agent or adjuster isn’t handling your claim fairly or they aren’t responding to your requests for information, it is best you contact a Shreveport, LA car accident lawyer who can step in and help.
- Why are you offering me a check for injuries directly after I was just involved in an accident?
If the agent responsible for handling your claim has offered you a check right after the accident and before you have had a chance to assess your physical condition, you should know that they may be trying to get you to accept a lump sum in exchange for you to not take any further action. Why would the agent not want me to take any further action if I discover I actually did suffer a more severe injury? Many of the injuries car crash victims sustain are often costly to an insurer, especially if there is a need to visit the doctor frequently or undergo therapy. So, rather than give you the chance to determine if the accident has caused more damage than you are aware of, they will offer you a payment right after the collision so that you are no longer permitted to pursue them for more compensation later on down the road.
- Am I entitled to compensation for the depreciated value of my vehicle?
After having been involved in an accident, you can expect that the value of your vehicle will go down despite it having been repaired with the best parts. The fact is, when a potential buyer looks up your vehicle history and sees that it has been involved in a wreck, even if it was a minor one, they are likely going to offer you less for this very reason. That is why Louisiana Revised Statute §9:2800.17 states that “Whenever a motor vehicle is damaged through the negligence of a third-party without being destroyed, and if the owner can prove by a preponderance of the evidence that, if the vehicle were repaired to its pre-loss condition, its fair market value would be less than its value before it was damaged, the owner of the damaged vehicle shall be entitled to recover as additional damages an amount equal to the diminution in the value of the vehicle.”
What this means is that if another driver caused you to engage in an accident, you are entitled to recover compensation from their insurer for the diminished value of your vehicle.
There are plenty of other things your insurer or that of the other party don’t want you to know which could result in you receiving much less for your damage and/or injuries than you would have received had you been provided with all the information you needed. So, rather than lose out on compensation that could help you cover the cost of medical bills, lost wages, and other accrued expenses, why not contact a local car accident lawyer in Shreveport, LA who will have your best interest in mind and get you the maximum amount of compensation you are entitled to?
The LA car crash lawyers at Campbell, House & Company have extensive experience in handling all types of auto accident claims and will know exactly what approach to take to ensure you are properly compensated after your accident.
You can reach Campbell, House & Company, Attorneys at Law at:
333 Texas Street, Ste 1300
Shreveport, LA 71101