Many insurance companies specialize in insuring certain groups, selling policies specifically to active military, veterans, and their families; or to drivers over a certain age. This business model may provide added benefits to the target customer base, making it an attractive option for people looking to insure their property or vehicles.
The Hartford’s insurance is designed to provide protection for drivers older than 50. This company offers numerous advantages for the people who choose to use it: decreasing deductibles for those who are involved in accidents, 24/7 claims service, and even compensation for home modifications that have to be made after an accident.
While the benefits may seem attractive, they do not necessarily mean that the Hartford offers more complete coverage, or that its claims process is any easier to navigate. It is not unusual for any type of insurance company to delay or deny the claims of accident victims—even one like the Hartford, which grossed almost $17 billion in 2017—but handling claims may reach a more favorable conclusion with a lawyer by your side.
If you were injured in an accident and are now fighting to get the compensation you deserve from an insurance company, contact Abels & Annes at (312) 924-7575 or online and learn if we can help you.
Our Results Handling Insurance Claims
A lot of bad accidents take place every year in Chicago. In 2015, 119 died and 21,667 were injured in 90,396 accidents in the Windy City.
The lawyers at Abels & Annes have extensive experience working with clients who struggled to deal with insurance companies like The Hartford after their accidents. We know how to negotiate with insurance companies to ensure that our clients get the best possible settlement for their injuries, and we believe that advocating for our clients is one of our most important jobs.
All potential claims depend on the specific facts of the accident: who was at fault, the severity of injuries, and the long-term consequences. In the past, we have secured some settlements in excess of $1 million for our clients, and while past results are not a guarantee of future outcomes, our record exemplifies our commitment to work tirelessly on behalf of those we represent. For example, we recently secured $100,000 for a client who sustained road rash in a motorcycle accident and $105,000 for a client involved in a Chicago car accident; both of these amounts equaled the insurance policy limits involved in the claims.
Injuries That May Be Claimed Under Insurance
Motor vehicle insurance is designed to cover injuries including:
- Traumatic brain injury
- Spinal cord damage
- Broken bones
- Sprains and strains
Who’s Responsible for Covering My Injuries?
Any time you are in an accident, regardless of who was at fault, your own insurance company may bear liability for paying claims for injuries. While the insurance company of the party who caused the accident should typically bear responsibility, in some cases the negligent party does not have insurance, or multiple parties were involved and they dispute the division of liability. In such cases, ultimate financial liability may prove difficult to initially determine.
As a general rule, you can only use current, up-to-date, and accurate policies that reflect the driving record and personal information of the insured party to process claims. If these essential facts go missing, an insurance company may have grounds to deny a claim. Accident victims who want to ensure that an insurance company doesn’t successfully evade its responsibilities should talk to a lawyer who has handled these cases before.
Recoverable Claims After an Accident
Insurance companies that sell motor vehicle policies should provide coverage that anticipates the common damages that arise from car accidents.
- Compensation for medical bills. Insurance should pay for claims for medical care, including emergency transportation, surgery, hospitalization, X-rays, rehabilitative therapy, medication, and, if necessary, long-term treatment.
- Coverage for needed modifications to the home. Anyone who was seriously injured or disabled as a result of an accident may need to make home modifications to accommodate wheelchairs and other mobility devices. Modifications may include widening doorways, installing ramps, installing specialized bathrooms fixtures, or lowering cabinets and countertops. Insurance should cover the expenses of long-term consequences of the accident, not just the immediate aftermath.
- Pain and suffering. Pain and suffering can prove difficult to quantify monetarily. While financial compensation cannot undo a victim’s injuries, it can make it easier for a victim to move on with life after an accident.
- Lost wages. An accident victim who is forced to miss work because of injuries may recover compensation for lost wages. A permanent disability that causes long-term changes to a victim’s ability to work may also result in compensation for lost earning potential.
- Property damage. Insurance should cover property damage beyond vehicle repair or replacement. It should also cover other property damage, including valuable property within or attached to a vehicle.
How Do Insurance Companies Avoid Paying Full Claims?
Many insurance companies use the same strategies to reduce the amount they must pay out in claims. These may include:
- Shifting responsibility to someone other than their drivers. Insurance companies may attempt to shift liability to the victim or other drivers involved in the accident, or they may attempt to claim that other factors contributed to the accident to reduce their liability.
- Offering a low settlement. Most people have no idea how much the damages from an accident may actually cost them, and insurance companies may take advantage of that. Shortly after an accident, the victim may receive a settlement offer for significantly less than they really deserve for their injuries and the expenses associated with them. If they accept this offer, they may reduce or eliminate any chance of obtaining appropriate compensation in the future.
Get Legal Support from Abels & Annes
In some cases, class action suits take a stand to fight against underpaid claims. In fact, The Hartford will face almost 20,000 unhappy policyholders in a California class action suit that alleges the insurer depreciated the cost of replacement items in property damage claims. Similar problems may crop up in the world of auto insurance claims, and having a lawyer by your side can make a world of difference.
A good lawyer with experience dealing with insurance companies can offer key advantages to an accident victim who was unable to get a satisfactory response to their claims. Attorneys may expedite the process and obtain a larger settlement more quickly.
The supposed financial commitment of hiring a lawyer may feel daunting for someone who is already burdened by medical bills and other damages from the accident. For that reason, Abels & Annes offers a free initial consultation to discuss cases and potential claims. In addition, we typically handle personal injury cases on a contingent fee basis: lawyer fees and any potential litigation costs are not paid upfront, but covered by any eventual settlement or verdict. This type of agreement ensures that those who are most in need of legal support can get it.
If you’re struggling alone to get the compensation you deserve from the Hartford or any other insurance company after a motor vehicle accident, don’t wait to get legal help. Speak to an experienced lawyer at Abels & Annes as soon as possible. Contact us at (312) 924-7575 or online to schedule a free consultation today.