Insurance Companies and Injuries-Why Get an Attorney Involved?

You might be dealing with an insurance company, either yours or someone else's, regarding a property loss or worse, an injury. It isn't much fun, is it? First you might have reported your claim to an agent, or spoken with one (or a whole bunch) of adjusters, and you swear you are getting different stories from different people. Maybe you aren't, but it can happen. The best insurance companies can have less than stellar adjusters, and the worst insurance companies can have fabulous adjusters. Or, sometimes mistakes are made and not caught. That is why the process can be much easier, and your recovery can be greater, with an attorney.

And let's be clear-we are not saying that insurance companies are out to cheat you. They aren't. But they also can have a different view of things because there are people out there they have dealt with day in and out that try to take advantage of them, and after awhile, it is human nature to question things that come across their desks. Or maybe they just made an error that day-when you handle a volume of paperwork in any business, there is a certain percentage that just gets handled incorrectly. Unfortunately, if it happens to you, it doesn't matter whether it only happened once this month or this year-it happened to you. The problem is, unless you are very familiar with the Texas Insurance Code, the Deceptive Trade Practices Act, or many other statutes and cases that deal with insurance claims, it is likely that you will be unaware anything is amiss. That is a bad thing.

Additionally, no two people, not even two adjusters sitting next to each other every day, will always agree what the value of a claim is worth. It happens a lot, because there is no book or computer program that can, with any certainty, indicate the value of a claim. That is why they have adjusters in the first place! Because no two claims are alike. Since adjusters are human, and have different life experiences, evaluations vary. This is where the experience of an attorney can make a difference. Because the attorney has likely seen what juries do in certain circumstances, knows the law, knows how negligence is determined, and knows how injuries are evaluated; besides-you know your attorney is on your side. After 15 years in the insurance industry, Marcos Mendoza knows how insurance procedures work from both sides.