In case navigating a personal injury claim wasn’t challenging enough on its own, now you have to do so in the middle of a serious pandemic. Luckily, you’re not alone. Many others are in the same boat as you right now, and there are hard-working attorneys ready to help you explore your options and get what you deserve.
A lot depends on the specific details of your case. However, there are several ways that the pandemic could affect your case and its timeline.
Insurance Companies Are Jumping On COVID-19 to Limit Payouts
To start, you should expect a tougher fight with the insurance company as you try to negotiate a settlement for your injuries. Insurance companies are difficult to work with in the best of times, and right now, they are pushing back even harder. They face serious losses to their bottom line as people cancel insurance to save money or downgrade their policies. They stand to save a lot of money if they can convince victims to accept paltry settlements.
Additionally, many courts across the country are closed or running at minimal capacity during the pandemic. Insurance companies know this, and they know that most victims don’t want to wait months or years for a court award. They use this information to get the upper hand during negotiations and try to convince you to either accept less or take your chances in court.
This is just one reason that it’s important to have an experienced personal injury attorney that you trust. They have substantial experience working with insurance adjusters, so you definitely want one fighting for you as you try to get a settlement.
Anticipate Delays and Follow Your Attorney’s Lead
Delays are inevitable right now, but a skilled attorney can minimize delays and help you get through this time with minimal stress. If your case goes to court, you may have to wait until county courts reopen and accept new filings before you can fight the insurance company for compensation.
Most personal injury claims never get this far. Most are settled out of court. Because of this, it’s important to be patient and follow your attorney’s lead. The insurance company handling your claim could be overloaded at this time as people report accidents, seek payouts, and try to downgrade their coverage to save money. Your attorney knows this and can help you understand the timeline and prepare for potential delays.
Factors That Could Complicate a Personal Injury Case
Certain factors could make your case much more complicated. If any of these apply to you, talk to your attorney and figure out your next steps.
- The liable party is now broke. COVID-19 has economically devastated many people. If you were in the process of suing the liable party and they have lost a substantial amount of money, your recovery options may be limited. Discuss this with your lawyer, as many individuals still have assets that can be used to pay damages.
- The liable party canceled their insurance policy prior to the accident that injured you. If your claim occurred after the COVID-19 crisis started, consider the fact that some people canceled their car insurance policies to save money as their financial situation worsened. If the person who hit you was driving without insurance, you may not be able to recover very much from them. Those who cannot afford insurance are likely to have other assets that could be used to compensate you after an accident.
- You are unable to get medical care because of closed clinics. Personal injury cases depend heavily on medical evidence. With many clinics and hospitals closing except for emergency cases, you might have a hard time finding a medical professional to assess and treat your injuries. If this is the case, your attorney may be able to connect you with a care provider that is working through the pandemic.
- Your work closed because of COVID-19 and you’re not sure if you are entitled to lost wages in your claim. This is one of the unique situations caused by a pandemic that has shuttered much of the economy. This may depend on the type of work you do, whether or not they have work-from-home options, and whether or not they are paying impacted workers during this time.
With an experienced personal injury lawyer by your side, you can navigate the claims process with confidence and ease. While it may be more difficult to settle a claim during a pandemic, it certainly isn’t impossible. If you’re looking for a lawyer who is up to the challenge, contact Mann & Potter, PC today. Call us or reach out online to discuss your options.