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Discussing Settlement with an Insurance Company After a Biloxi Car Accident


If you suffer injuries in a Biloxi car accident, the consequences are overwhelming and life-changing. You may have endured immediate medical treatment and may still go through ongoing care. Plus, you might be out of work, which has financial implications for your entire household. At this already difficult time, the responsible party’s insurance company may call with offers to settle your case and avoid court. These agents can be very persuasive, telling you that a settlement agreement can get you money fast and there are huge delays by filing a lawsuit. However, it’s important to recognize that insurers don’t have your best interests in mind. Here’s why you should consult with a personal injury attorney instead of trying to discuss settlement with an insurance company.

Insurance Companies Are Businesses

Companies like car insurers will go out of business if they fail to make money. They don’t turn a profit by agreeing to large settlement amounts to car accident victims; rather, they make low-ball offers in order to protect their bottom line. Revenue is the primary motivation – not your interest in being fairly compensated for your injuries.

Insurers Have Extensive Legal Teams

When you engage in settlement discussions with an insurance company, the agent is supported by a skilled, knowledgeable legal team. These professionals work for the company and will use their legal experience to identify the strengths and weaknesses of your case. This gives an insurance agent an edge when opening up settlement discussions.

You Risk Obtaining Low Compensation

You know how much pain you endured during your car accident, but how does this translate into a dollar value? Unless you have a legal background, you may risk under-compensation because you don’t know how much victims in similar cases have recovered. An insurance company may offer to settle for an amount that doesn’t fully compensate you for medical costs, future treatment expenses, future earnings, and other factors you may not consider.

Your Lawsuit Could Be Banned by Time

Under Mississippi law, you must file a lawsuit within three years of the car accident that causes your injuries. If you don’t sue, you are forever banned from ever getting your day in court. Insurance companies know this and will attempt to stall your case, hoping that this Statute of Limitations will kick in to prevent you from recovering.

Don’t Trust Insurance Companies! Talk to an Experienced Biloxi Car Accident Lawyer

It may be tempting to consider a settlement offer from the responsible party’s insurance company after a car accident, but this could end up being a costly mistake. Insurers are businesses first, and they don’t profit by doling out large settlement amounts. It’s better to retain a qualified car accident attorney that has your best interests in mind and will fight to get the highest compensation allowed under Mississippi law. The attorneys at the Biloxi offices of Judy Guice make you the priority and will represent you in settlement discussions with pushy insurance agents. Please contact us today to speak with an experienced lawyer or to schedule a free initial consultation to discuss your case.

750 Martin Luther King Jr. Blvd
Biloxi, Mississippi 39530

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