Can’t I just negotiate with the insurance company directly?
Of course you can and that is exactly what the insurance company would prefer; but remember, the insurance company adjuster has only one goal – to save his company money by paying you as little as possible for your injuries and financial losses. They do not care about your real losses and will take advantage of the fact that you have no experience in evaluating the amount of compensation you deserve. Only an experienced personal injury lawyer will know how to obtain all the relevant documentation, properly evaluate your losses and negotiate a fair settlement of your injury claim. The insurance company needs to know that if they do not negotiate in good faith and offer a fair settlement, that your personal injury attorney will file suit or continue with litigation. The more experience your attorney has in actually litigating personal injury claims in court, the more the insurance company will want to settle – they fear the risk and uncertainty of what a jury may award when an experience
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