A personal injury lawyer helps people with their personal injury disability claims, and those who have been involved in motor vehicle collisions. The best advice to give anyone who has been injured in an auto accident is to suggest that they should consult with an attorney. People who need to file a disability claim can also benefit from speaking with an attorney.
A personal injury attorney is trained to represent her client to the best of her ability and to help her client as much as possible with his claim. The disability claim process can be very complicated and time consuming for the average person which is why a person with a disability claim would be wise to seek legal help. Most people have either a private disability insurance policy or an employee based disability insurance policy that is supposed to provide for them in case they are injured on the job.
The problem arises when the insurance company chooses not to pay a policy holder who has been injured on the job. Some people do not qualify for an employee based disability insurance policy and choose to purchase their own policy from a private insurance company. These policies can be expensive and when they deny a claim the policy becomes even more expensive.
Some lawyers who now represent clients against insurance companies actually worked for disability insurance companies and therefore know why claims are denied. This is one reason why people who have had their claim denied should seek help from an experienced lawyer rather than resubmitting the claim on their own. The lawyer may be able to bring an action based on breach of breach of insurance contract which is a serious charge that no insurance company wants to be found liable for.
Most workers do not have a private disability insurance policy rather they have a disability insurance policy through their employer. The employer based plan is much more affordable than the private plane. This is the good news.
The bad news is that the employer based plan is regulated by government laws. The claim that is rejected by the employer based plan has to be appealed using the terms and rules set forth by the government agency that controls the disability plan. The appeals process involving the government sponsored plan is complex and difficult for the average person to understand.
A worker who has had his or her claim denied and has an employer based policy needs to have an experienced lawyer appeal the claim. The appeal process is just too complex for the average worker to try to handle on his own and expect a positive result. The same can be said to anyone who has been injured in an auto accident and is trying to negotiate with an auto insurance company; find an experienced lawyer.
The auto insurance company would rather deal with the accident victim rather than a personal injury lawyer because they can persuade an inexperienced person to accept a smaller settlement amount. The lawyer will negotiate the best settlement for her client because the lawyer deals with insurance companies on a regular basis. The accident victim on the other hand is in most cases unfamiliar with how to deal with insurance claims adjusters and needs the help of a competent legal advisor.