How your personal injury claim is handled depends on how big the insurance company is, how many levels of authority you will have to deal with, and which defense counsel has been retained by the insurance company to accompany them. The bigger the insurance company and the stronger the defense counsel retained, the more important it is for you to be represented by a personal injury to ensure you get the maximum compensation you deserve.
Insurance Defense Counsel
Regardless of the size, insurance companies hire law firms to handle the legal situation in cases that do not settle and must be litigated. Part of the job description for defense counsel is to provide telephone advice to the insurer on an almost daily basis and to provide regular reports on active cases.
Defense counsels usually have a very close relationship with the adjusters, supervisors, and managers of the insurance company who has retained their services. Because of this long-term relationship, especially with larger carriers, it is very rare for defense counsel to make any negative remarks to their employers. Defense counsels will fight hard and do everything they can settle your claim for as little as possible or to win.
As such, it is imperative for you to be represented by a personal injury lawyer who will be aggressive in dealing not only with the insurance company but also their retained defense counsel.
Insurance Company Regional & Home Offices
Insurance companies have various offices and levels of authority. It is important for your personal injury lawyer to know what happens in every office in order to successfully and quickly navigate your claim.
The activities of local offices are controlled by a regional or zone office. Additionally, the major insurance carriers have a home office with a general claims manager or vice president in charge of claims. It is this office that controls key issues with respect to policy coverage and makes the decision with regards to internal company policy, training classes, claims manuals and other such policies. If there is a coverage question in your case, your personal injury lawyer should contact the home office directly for a quicker response.
When negotiating monetary settlements, the adjuster can usually only get authority in smaller increments, and this authority usually comes form the home office. If your case includes a large policy limit, your personal injury lawyer will need to allow a period of 30 days for the policy limit request to go through the bureaucracy in the company.
We Can Help
If you or someone that you love has suffered a personal injury, it is in your best interest to consult with personal injury lawyer who knows how to navigate through the different bureaucracy levels and offices of the insurance company and who can aggressively negotiate and deal with the defense counsel retained by the insurance company.