Rhode Island Auto Accident Attorney
Getting a fair shake from an insurance company isn’t easy. Insurers look out for their own interests first and foremost, and those interests are often in conflict with your own. That’s true whether you’re dealing with your own insurance policy or somebody else’s.
People are often surprised to learn that their insurance companies don’t step up to the plate or act as allies after an unexpected accident occurs. After all, the whole reason you have insurance is so that you’ll be protected in case anything bad ever happens. Unfortunately, insurers are very good at giving up on their end of the bargain. That’s especially true in the context of car accident insurance claims.
There is a popular myth out there that your insurance companies represent your own best interests. They do not. While state and federal law do require them to at least treat you fairly and honor the terms of your policy, insurance companies are not required to respect your best interests in the way that attorneys are.
Sadly, even “fair treatment” seems too high a standard for many of today’s insurance companies to meet. They routinely deny legitimate claims for no reason, disregard their policyholders’ sincere pleas for help, and turn a blind eye to the crystal-clear terms of their own policies. Often, it takes an experienced lawyer to step in and force these companies to take responsibility for the promises they’ve made.
As an experienced Rhode Island auto accident attorney, Mike Bottaro and his team of attorneys at Bottaro Law Firm, LLC know how to hold insurance companies accountable. We have a strong track record of confronting the world’s biggest insurance companies and insisting they pay every penny they owe.
There is a lot to know about car accident insurance claims. The information below will help you understand the basics.
Never Accept Settlement Offers from Auto Insurance Companies Right Away
If you’ve been injured in a car crash, the at-fault party’s insurance company might give you a call. This person is usually called an “adjuster,” “representative,” or “agent,” and it is his or her job to settle your claim quickly — and to pay you as little money as possible.
The adjusters may sound very nice and friendly on the phone. They often seem sincerely sympathetic, and they might even offer an attractive amount of settlement money right away. You might feel tempted to take that offer on the spot, but that is a mistake.
Settlement offers from car insurance companies are almost always for far less than you’re owed. If they have decided to offer a specific dollar amount as a settlement, it is usually because they know you could get a lot more from them by hiring an experienced attorney.
The adjuster’s goal is to pressure you into settling your claim before you hire a lawyer. Don’t let them win. By hiring a Rhode Island auto accident attorney at Bottaro Law Firm, LLC (with our “No Fee Guarantee”), you can tell the adjustor to talk to us instead. We will handle the negotiation for you and insist that the other side pays what it should.
What to Do After an Auto Accident in Rhode Island or Massachusetts
To help you in the aftermath of a car crash, we have put together a list of three simple steps you should take after an accident. You can find those steps here.
Additionally, it is important to be very careful about what you say to anyone who represents an insurance company. Do not admit that anything was your fault. Don’t even say, “I’m sorry,” no matter how polite that might seem. They may try to use those innocent statements against you. Do not sign anything they send you either.
The best advice is to call 911 immediately after a car crash, and then call our office as soon as possible. The sooner we are involved, the better we can protect you against insurance companies’ tactics.
Get Help with Your Car Accident Insurance Claims
If you have been injured in a car accident anywhere in Rhode Island or Massachusetts, our office can handle your car accident insurance claim from beginning to end.
Thanks to our “No Fee Guarantee,” you will never have to pay anything upfront. Our fees only apply if we win your case.
Time limits do apply, though, so please contact us as soon as possible to set up a free consultation with a Massachusetts or Rhode Island auto accident attorney at Bottaro Law Firm, LLC today.