Is this person with an Iowa pedestrian accident case wrecking their insurance claim?

What does the experienced insurance adjuster think about your Iowa pedestrian accident injury claim? And why is he so friendly?

This man probably has a valuable Iowa pedestrian accident injury claim and Iowa lawyers see this type of claim every year. But in this case the person injured is trying to settle his own claim after doing a little Internet research. He’s like many of my friends, they all think the practice of law is easy and because we don’t have an inventory you can see they believe it must be not just easy but inexpensive to practice law. Our inventory is in our experience, a daily practice, out business systems and in most importantly in our memory. You can’t learn to do what we do by reading on the Internet. The law is far too complicated. But will it stop people from trying; probably not. So here we go with Mr. or Mrs. Pedestrian who thinks they can be the exception. On the Internet, two hours of reading lawyer commentary and he’s off working his own case. Believing he is knowledgeable about how to settle his own case he files a claim and begins working his own case.

But is he ready to play lawyer? Does he understand enough about Iowa pedestrian accident and personal injury law to be his own lawyer? Probably not, but let’s see why he is now asking an Iowa pedestrian accident injury claim lawyer for free advice.

Question: What if I made the adjuster in my Iowa pedestrian accident injury claim an offer to settle the case and did it without an attorney and before doing research and then I realized I didn’t ask for enough? After I made the call an insurance agent left a message for me to callback and talk about the claim? Now I’m worried because I don’t want to settle for what I offered to settle for. Can I up the settlement with the information I've obtained?

Answer: Okay, let me talk first about the legal stuff and then we can discuss what you’re doing wrong. You can withdraw your last offer before it is accepted and make a new offer. There is nothing that says you can’t raise your demand, but from a practical standpoint negotiations will suffer. Why would an insurance adjuster keep negotiating with someone who doesn’t know what they are doing and raises rather than lowers the offer? He won’t.

So ask yourself are you hurting your claim? By raising your offer you’re putting it on a billboard you are not trained to understand the law of Iowa personal injury claims. The adjuster will just play with you at this point and never get serious, but lead you on hoping the statute of limitations will run and void any further claim. At that point he’ll close his file and you’ll never hear from him again.

You may want to hire an attorney to negotiate a settlement of your Iowa pedestrian injury claim. In the end it could save you a lot of money.

This is a common situation with Iowa pedestrian accident injury claim, 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 can. Not all insurance adjusters are unethical, but like any profession a few bad apples can ruin it for everyone.

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 lawyer who is experienced with handling personal injury insurance claims.

Good luck and call us if we can help you. 

Steve Lombardi
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Iowa personal injury, workers' compensation, motorcycle, quadriplegic, paraplegic, brain injury, death
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