RTL’s Real Truth about the Law # 5: “So, I will call a good lawyer, right after I call my insurance company…”
So, you’re planning on calling a good lawyer ‘right after’ you call your insurance company…? Let me tell you why that can be such a big mistake and it’s a mistake that can cost you a lot of money that’s simply one more real truth about the law.
Why Insurance Companies Value Your ‘Subjective’ Recollection More than ‘Objective’ Reports
Ask yourself this very simple question..: Why would they ask for your subjective take on an accident about which they know they will eventually get all the objective facts from subsequent accident reports and medical records? Why is it that ‘your’ take on things ‘right now’ is so important that it comes before any objective reports? Their sole reason to have YOU relate ‘facts’ from YOUR standpoint is to get damaging and subjective, very often flawed, information that may reduce or deny your claim; information that they otherwise would not be able to get, but for your voluntary disclosure. And they know that once you retain an attorney, all such requests will be going through him and they’ll lose that chance. Ever heard of the ‘right to remain silent’ and the ‘right to a lawyer?’ Well, it applies to civil cases too, except they don’t have to tell you before they ask.
Good Lawyers Do Way More than ‘Legally Evaluate’ Cases
An attorney is not on your case just to evaluate it from a legal standpoint. He or she is there precisely to act as an invaluable buffer between you and the insurance company that is, from the very beginning, looking to reduce or deny your claim. And an insurance company knows their absolute best chance of denying a claim is BEFORE you get an attorney. Consider this: It is logically impossible for you to get information on a direct call to an insurance company without them getting MORE information from YOU than YOU get from THEM. A good attorney is not only your advocate in a negotiating situation in which the average layperson is simply way outgunned. He’s also your only way to gather information without making mistakes in an interview that can cost you plenty by damaging your case from the start.
Negating the ‘Cold Call’ Insurance Company Advantage
So, how do you negate this incredible disadvantage? You negate this disadvantage precisely with a good attorney. He does this by creating a basis of communication by which he ASKS, but doesn’t TELL and where he is the first to gather information before disclosing it. Any factual questions from the insurance company are deferred for evaluation simply by the response ‘I don’t know the answer to that, but I’ll relay it to my client and get back to you’. This creates a ‘buffer’ between you and the insurance company through which all communication is fully evaluated BEFORE disclosure. This simple strategy prevents ‘off the cuff’ responses to critical questions based on flawed recollections. Such responses can only hurt your claim. That is an INVALUABLE position you can only get by involving an attorney FROM THE BEGINNING!
What This Ultimately Means to You
Don’t make the mistake of cold calling an insurance company after an accident and do damage to your case before it’s even really gotten started. By enlisting a good attorney as your first action you assure that all matters in your case are handled professionally to avoid the unwitting mistakes that often cost policy holders dearly. And such costs are those that you will probably never even realize when the settlement you get turns out to be half it’s true value without you even realizing it. And that’s just another real truth about the law.