No one plans for it, but accidents happen, and you can sustain severe injuries because of someone’s negligence. When that occurs, you need to contact an insurance company to seek compensation to cover your damages. Unfortunately, insurance companies are difficult to deal with, and are all about protecting their bottom line. This means they can lowball you or even try to deny your claim outright.

You need the legal help of Rousseau & Ross’ experienced Lebanon, NH insurance claims lawyer to represent your interests. Our seasoned personal injury attorneys have decades of experience in everything from negotiating settlement claims for injured locals to successfully litigating their case in front of a jury if the insurance company is unwilling to settle out of court. We have a history of getting substantial compensation for our injured clients, so let us handle your lawsuit today while you focus on recovery. Call now to discuss your case for free.

What Are the Difficulties of Dealing with Insurers After an Injury?

Although insurance companies make it seem like buying a policy protects you and can be useful when you are in trouble, the reality is that it can be difficult to receive compensation when you file a claim. Even with prompt payments of high premiums, most people still find dealing with insurance companies to be an unpleasant experience. This, in part, is due to the following:

• Claims attract higher scrutiny and undergo stringent evaluations
• Claim denials or lowball settlement offers are commonplace
• Higher-than-normal deductibles or out-of-pocket costs, which inevitably cause delays in seeking care or even outright avoidance of badly needed care
• Deployment of bad faith techniques, such as delayed claims processing, to frustrate claimants into giving up on pursuing compensation
• Adjusters actively recording calls to use them against you later on
• Insurers often try to shift as much blame as possible to avoid or limit compensation

Additionally, due to the state’s comparative fault laws under New Hampshire RSA 507:7-d, insurance companies can try to pin most of the fault on you, knowing that once the court decides that you are more than 50 percent liable, your injury claim will be denied and the case dismissed.

Conditions That May Require Insurance Claims

It is important to understand if your case qualifies for an injury claim before filing. Common situations that warrant a claim include:

• Motor vehicle accidents, including trucks, cars, pedestrians, motorcycles, or bicycles
• Premises liability incidents, such as slips and falls, dog attacks, violent assault, or exposure to toxic substances
• Medical malpractice, including failed or wrong diagnosis, surgical errors, wrong drug administration, and more
• Product liability cases involving defective products, no warning labels on products, or confusing marketing

Not all cases may qualify for insurance claims, even if you were injured or lost valuable items. If you are unsure, speak with an experienced insurance claims lawyer in Lebanon today.

Timeline for Filing Insurance Claims

According to New Hampshire law, you have three years from the incident date or discovery of injury to file an insurance claim for most types of claims. There are exceptions and other deadlines that could also apply.

This allows you to seek recovery for damages such as medical expenses, lost income, out-of-pocket costs, reduced earning capacity, property damage, and pain and suffering. You can also pursue compensation for emotional distress, scarring and disfigurement, and loss of enjoyment of life.

Call an Experienced Lebanon Attorney If You Have an Insurance Claim Dispute

Insurance claims are tedious, but with our competent Lebanon insurance claims attorneys at Rousseau & Ross, you do not need to interact with them directly. We will handle the claims process from start to finish while you focus on your recovery.

Our skilled legal team will represent your interests, protect your rights, and advocate to get you a substantial settlement. Call now to discuss your case.