Auto collisions that result in injury or serious loss happen every day in the state of Louisiana. You, like many other people, probably believe that insurance will take care of you if you are ever involved in a car accident. The truth is, insurance providers will do everything in their power to pay you as little as possible.
After a car accident, you will do what you have always been taught to do -- file a claim with your or the other party's insurance provider. Your car will either be repaired or declared a total loss. When it comes to covering any of your medical expenses, you might receive compensation for initial care but little or nothing after that.
After you file your claim, your case details will be reviewed and a settlement offer sent to you. This can take a couple of weeks. Most people take this offer because they do not believe that they will be able to get more, and immediate compensation certainly is tempting. Refusing a settlement offer is possible, though, and doing so may turn out to be in your best interest.
If you believe that insurance is being unfair in how much the company is willing to give you following your car accident, you can attempt to negotiate a higher compensation amount. This is something legal counsel can help you with. If negotiations fail to produce acceptable results, it may also be possible to file legal claims against all parties believed responsible in a Louisiana civil court. To learn more about this topic, please visit our firm's website.