Hartford Insurance Group Auto Claims

If you have suffered an injury in a car accident and the at-fault driver is a Hartford Insurance Group customer, you have a right to file an insurance claim with Hartford Insurance Group. Under North Carolina law, someone injured in a car accident has a legal right to seek financial compensation by filing a claim with the at-fault driver’s insurance company. At Arnold & Smith, PLLC we have helped many North Carolina clients recover compensation from many different auto insurance companies.

We understand how important it is for our clients to secure financial compensation for their injuries. Many of our clients face mounting medical bills, and those who have suffered serious injuries are often not able to work exacerbating their financial crisis. That is why we work hard to favorably resolve our client’s claims with Hartford Insurance Group.

We know how to accurately calculate all of the costs of a car accident injury, such as the following expenses:

• Medical expenses
• Physical therapy expenses
• Time missed from work
• Pain and suffering

It is wise to speak with skilled car insurance attorneys as soon as possible. In many instances, Hartford Insurance claims adjusters will attempt to quickly settle with you after an accident has occurred. How do you know they are fairly compensating you for your damages? Claims adjusters consider two factors after attempting to determine how much to offer in a settlement agreement:

• What are the chances that the claimant will win a personal injury lawsuit at trial, and
• How much in damages would a North Carolina jury award the plaintiff

Even if you suffered serious injuries resulting from your car accident, a Hartford Group Insurance adjuster might determine that your claim would likely not succeed at court. If Hartford Group Insurance decides that you would likely not receive a large award from a jury, it might offer an extremely low settlement amount. Similarly, insurance companies often devalue the cost of medical treatment. For example, if you have spent $5,000 in chiropractic care for injuries suffered in a car accident, an insurance adjuster might include $3,000 for chiropractic care in your settlement agreement leaving you to cover the remaining expense out of pocket.

After the insurance claim adjuster places value on all of the medical costs, he or she will then calculate an amount for pain and suffering. Insurance company adjusters frequently use a specialized software formula to assign a monetary value to a claimant’s pain and suffering claims. After combining the easily determined medical expenses and the pain and suffering amount, the adjuster must determine the first settlement offer amount.

Sometimes insurance companies such as Hartford Insurance Group require adjusters to offer a certain percentage of the value of the case. For example, an insurance company might require adjusters to only offer a claimant 50% of the value of the claim in the initial offer. Every auto insurance company has a different stated procedure as to how they determine the first settlement amount. Usually, that amount is lower than the actual value of the claim. Insurance companies hope that the claimant will accept the first offer that comes their way in an attempt to get the process finished quickly, cheaply, and maximize profit for their shareholders.

Because the first settlement amount is often much lower than the value of your claim, it is wise to speak to an attorney before accepting any settlement agreement, especially the initial offer. At Arnold & Smith, PLLC we have years of experience helping our clients successfully negotiate insurance claims. One of our founding attorneys, Matt Arnold, began his career by working as an attorney defending insurance companies. His experience working for an insurance company provides valuable insight into how insurance companies process claims and the best way to maximize a settlement for the injured party.

At Arnold & Smith, PLLC our attorneys assertively advocate on behalf of our client’s best interests. After investigating your case, we will make a calculation as to the value of your claim. We will investigate whether the Hartford Insurance Group failed to include, or derogated the costs associated with injuries caused by the car accident.

If Hartford Insurance Group denies your claim in bad faith, we can fight for your right to compensation. Our attorneys can investigate the claim and identify any unlawful practices in which Hartford Insurance Group might be engaging. Similarly, if the insurance company fails to provide you with an adequate settlement offer, we can assertively negotiate with them on your behalf. To schedule your free initial consultation, contact our Charlotte personal injury law firm today.