Brampton personal injury lawyers are aware that when accident claims are made, the insurance company that makes the settlement  pay-out is certainly going to thoroughly investigate it before they award it.

Most people assume that they are secure and protected against physical and financial damages in the event of an unforeseen disaster. They pay their premiums regularly and provide the necessary information in good faith. However, when they or their family-members are seriously injured in a collision, they could end up having to face a long and unpleasant dispute with the insurers who could devalue, deny or dismiss their claims for various reasons.

Insurance Agents Know A Lot More Than What You Tell Them 

When you purchase a policy or you’re a plaintiff in a personal injury claim made against an at-fault party, there is a certain amount of information that you know you have provided. However, as industry observers in the US, for instance, opine, there’s a lot more that’s available to the insurer than from the obvious sources.

Information regarding your rating factors based on such things as your address, your claims history, whether you’re a non-renewal risk, what types of claims get rejected, under what circumstances you don’t have coverage, etc. is routinely analyzed by insurance services providers and stored for use in the event of a claim.

Ontario drivers are assured of accident benefits regardless of fault under the Statutory Accident Benefits Scheme (SABS) however, there have been sweeping changes in the laws over the last few decades. As a result, insurance companies have taken on board a number of other issues when they evaluate a claim for settlement.

Overlooking “fault” : In certain instances like rear-enders, where the question of liability is obvious, insurers may not be really concerned about establishing responsibility. Instead, they tend to focus on the kind of injuries that occurred, whether they cross the threshold, and are estimated to be above the standard deductible. Hence, cause is not a serious concern sometimes as far as calculating settlement goes.

Vehicle damage: One of the paradoxical aspects of estimating amount of settlement is the effect that images of damage can have on a jury. Although low-speed low impact accidents can cause serious injuries, insurers tend to give more importance to accidents where vehicular damage is equally spectacular.

Pre-Accident Status: The victim’s age and state of health prior to the accident are scrutinized and their level of functioning at that time is taken into account while arriving at a settlement.

Treatment and Rehabilitation: The various kinds of treatment, rehabilitation, medications and therapies being taken are studied in detail to evaluate whether the nature and extent of injuries are as serious as claimed. Whether the victim is making an effort to recover his/her health and genuinely looking for ways to support themselves financially is another issue that could be examined by insurance companies.

Other benefits: All other available sources that can be tapped to get benefits are thoroughly investigated by insurance companies to reduce their own contribution.

It’s wise to contact the nearest personal injury lawyer in Brampton without delay to ensure that your rights and entitlements are fully protected and you receive the compensation that you fully deserve.