The insurance adjuster says I do not need a lawyer. Is that true?
The insurance company is in the business of ensuring the minimum possible payout to victims of accidents. Remember that their goal is to make money and not to pay victims of accidents what they deserve. As an accident victim you are like David in the biblical story of David and Goliath. The insurance adjuster may seem kind and caring. He may try to provide legal advice or information which is actually illegal for a non-lawyer to do. No matter how much information or how helpful the adjuster seems to be, his primary goal is to pay you as little as possible. Sometimes an adjuster will offer to make a payment immediately. The adjuster may put pressure on you to sign documents or give recorded statements. You have zero obligation to sign anything for the other driver's insurance company and should not allow the adjuster to bully you into giving a recorded statement. And this can even be your own insurance company bullying you under some circumstances. Most people don't understand that if the at-fault driver who hit you does not have more than the minimum limits for liability coverage in PA (currently only $15,000!), your own UNDERINSURED Motorist's Coverage (we call this UIM) on your policy will kick in to pay, if you bought it. You don't HAVE to buy UIM coverage in PA but you should have it because most drivers are riding around the roads in PA with only $15,000 in liability coverage. Also, UIM coverage is really cheap so there is no reason not to have it. You need to understand that if your OWN insurance company believes it is likely to have to pay out a large claim on a UIM case, they are going to play hardball with you, their own insured (customer). Most people believe their own insurance company is on their side after an accident but you will see a real "about-face" by your company if they think they may have exposure on a large underinsured motorist claim on your policy, even though you paid the premium for it. If you don't have an experienced personal injury lawyer, you probably will fall victim to these tactics even by your own company.
You have a right to an attorney and there is no reason for you to make any rushed decision about a settlement offer from an insurance company. Do not face the insurance company alone. Worthington Law Group can make sure that the insurance company actually pays the full value of your claim, taking all of your past and future losses into account.
Call Worthington Law Group for a free, no pressure, no-strings-attached case evaluation at 215-576-5150.