Insurance adjusters are the representatives who are employed by an insurance company to process automobile collision claims. Some adjusters focus solely on property damage and the valuation of vehicles, while others work primarily on the injury and medical aspects of a claim.
As you might expect, adjusters’ personalities differ from one to the next. Some are very cordial and easy to work with, while others take a very antagonistic and conservative approach to compensating injury victims. Keeping in mind that it is the insurance company’s job to collect as many premiums as possible while paying out as little as viable, the adjuster’s role is that of a gatekeeper.
There are two forms of compensation that follow an injury – “special” damages and “general” damages. Special damages arise when an actual economic loss is incurred as the result of an injury. This loss includes things like lost wages, medical expenses, payments made for replacement services, and other tangibles. For example, you may regularly miss an hour of work for treatment with a physical therapist, incur the cost of prescriptions or copayments, or need someone else to shovel your sidewalk. You have the right to compensation for all of your out of pocket expenses following the accident.
General damages compensate victims of an injury for noneconomic damages loss. General damages are awarded for pain, suffering, emotional distress, loss of enjoyment of life, and loss of consortium. Those who have been severely injured have lost something, and the law provides for reasonable compensation for those things that cannot necessarily be measured but are very real to the injured survivor.
If you have been injured as the result of an individual’s negligence, do not trust your future well-being to the advice of an insurance adjustor. Contact http://www.PeytonBurkhalterLaw.com immediately to schedule a free consultation to discuss the merits of your case.
Peyton B. Burkhalter Law
2540 Severn Ave #129
Metairie, LA 70002