Insurance Representative Is Being Rude to Me: Your Rights Following an Accident
Dealing with Rude Insurance Adjusters
It's common for prospective clients to contact a lawyer after a rude encounter with a claim representative. Many people simply want fair treatment after an accident.
They generally seek payment for medical bills, lost wages (if applicable), and a reasonable sum for pain and suffering. It's important to remember that insurance companies are not in the business of treating people fairly.
If you experience rudeness from a claim representative, consider seeking legal advice. A brief phone call can often provide a clear understanding of your rights and options.
Ohio's Statute of Limitations
In Ohio, you typically have two years from the date of a car accident to file a lawsuit for a personal injury claim.
Beware of "All Bills Covered" Promises
One of the biggest traps after an accident is being told that "all of your bills" will be paid through a settlement. If you receive such advice, ask the claim representative to provide that unqualified statement in writing.
Consider asking a specific question:
Ok, what if I need an MRI scan, four epidural steriod injections, three months of physical therapy and surgery? Are you going to promise me all of those bills will be paid through the settlement?
Be prepared for the representative to backtrack. This section specifically addresses interactions with liability and/or underinsured/uninsured motorist carriers. For information on medical payments coverage, please refer to this blog article.
Understanding Your Settlement
Following a motor vehicle crash, it is crucial to understand exactly what a settlement entails. This ensures all bills are satisfied and you receive a reasonable recovery.
In a liability settlement, insurance companies only pay for reasonable treatment they believe was proximately caused by the crash. Many individuals settle with an insurance company only to discover that significant medical bills related to the crash remain unpaid.
