Today we have another question from a man who simply wrote to me and his question was one I've seen many times before so once again I'm using his question for another key area of our practice. This man has a valuable Iowa I-35 truck accident case and he is trying to settle it on his own. What he tells me is he's been doing a little Internet research and based on what he's read it's time to play lawyer. Believing he is knowledgeable about how to settle his own case he contacts an adjuster and then works his own case. But is he ready to play lawyer? Does he understand enough about Iowa I-35 truck accident case to be his own lawyer? Probably not, but let’s see why he is now asking an Iowa drunk driver injury claim lawyer for free advice.
Question: What if before doing enough research I made the adjuster in my Iowa I-35 truck accident case an offer to settle the case and did it without an attorney before realizing the offer was way low? An insurance agent left a message for me to callback and talk about the claim? Now I'm concerned about what I should say because I think the offer should be withdrawn. Can I up the settlement with the information I've obtained?
Answer: You can withdraw your last offer before it is accepted and make a new offer. You may be hurting your claim without even knowing it because unlike a lawyer you are not trained to understand the law of Iowa personal injury claims and as they say in the movies, "whatever you say can and will be used against you." You may want to hire an attorney to negotiate a settlement of your Iowa I-35 truck accident case. In the end it could save you a lot of money.
This is a common situation with Iowa I-35 truck accident case, Iowa drunk driver injury claim, Iowa workers’ compensation, Iowa personal injury and property damage claims. Iowa lawyers see people do this same thing with representing themselves after doing a little Internet research. Litigation isn’t like repairing a toilet but the Internet gives people a false sense of security they are fully equipped to play lawyer. Some people with valuable claims try to handle their own case and end up ruining their Iowa personal injury insurance claim. In the end it matters little whether the case is ruined because of what they say to unethical insurance adjusters or that they settle too darn cheap. Either way they are not getting all they are entitled to receive and even with paying a lawyer chances are they would get more with a lawyer's help.
Are you smart enough to know if the adjuster is just leading you on? Are you smart enough to know when you've started sawing the plank on the side of the ship? There are sharks in the water waiting for you to fall.
Iowa lawyers are told quite often by clients their case is different because they are honest and those other people aren’t honest. Or clients will say their case is different because theirs is not frivolous, inferring many claims are but theirs is not. This statement is meaningless to an insurance industry that spent billions of dollars trying to convince the general public millions of frivolous claims were clogging up the legal system. What they, and probably you, don’t understand is they see most every case as frivolous.
How will you know the insurance adjuster thinks your case is frivolous? You won’t because they will not volunteer that opinion. Instead the adjuster will steer the recorded interview in such a way to void your claim. You will know what he or she thinks only after they deny your claim.
Is your claim considered by the insurance adjuster to be frivolous or not? Very few cases are frivolous. I’m not sure I’ve ever seen a frivolous personal injury case in Iowa. But that’s not what insurance adjusters are taught to think; quite the opposite. Most people think their claim isn’t and you might be right, but then again you might be wrong about what some activist insurance adjuster thinks about your Iowa I-35 truck accident case. Can you afford to be wrong? If you can afford to lose, then it’s not a problem, just have at it; if you can’t hire an Iowa insurance lawyer.
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