The claims process is not always straightforward. Filing an Ohio insurance claim has the potential to be a demanding and challenging process. You do not have to handle an insurance claim independently.
You Could Retain a Car Accident Lawyer to Assist With Esurance Claims
Under Ohio Revised Code § 2315.33, a person’s contributory fault does not prevent them from recovering damages. Their contributory fault must not be greater than 50 percent.
Comparative negligence incentivizes insurance companies to claim that people seeking damages in car accidents were more at fault for their injuries than they would otherwise claim.
Insurers do this because the claimant’s percentage of fault for an accident ultimately reduces the award they receive. Esurance could use comparative negligence to reduce what they pay in your case. Your lawyer will represent you to try to get fair damages, however.
What Kinds of Damages Could I Pursue in My Esurance Claim?
The damages you could pursue in your claim will depend on how the accident affected you. For instance, if you were hit on a highway by a commercial truck, sustaining a broken leg and needing extensive vehicle repairs, this might differ from being bumped by a car crawling slowly through a parking lot.
Examples of damages you could recover in a settlement include:
- Medical bills, from emergency care to ongoing physical therapy
- Psychological care, like therapy to treat your accident-related anxiety
- Vehicle repairs
- Lost wages, benefits, tips, and bonuses from your recovery
- Wrongful death damages if you lost a loved one to the accident
Your lawyer will inform you of all compensable losses.
How Esurance Handles Insurance Claims
Some people will also try to contact insurers about their injury claims, but the insurer may act to protect itself. After completing its own independent investigations, insurance companies could undervalue or deny claims.
Some of the most common tactics that insurers use include:
- Disputing a person’s version of events: Without strong evidence, an insurance company will challenge much of what is claimed.
- Claiming lack of coverage: Insurance companies may claim that policies do not cover certain injuries.
- Demanding written or recorded statements: Insurers always want to get people on the record regarding their crashes. Be aware that your statements might be used against you. Whether intentional or not, the adjusters could ask questions that evoke damaging responses. Tell the insurance company only the necessary facts.
- Requesting independent medical exams: Independent medical examinations are incredibly common requests. You can take notes about what happened at this examination, though.
- Challenging the severity of injuries and treatment: Some insurance companies might claim that a person’s injuries are not as severe as claimed, and full recovery will be possible within a short amount of time.
- Advising people to accept low settlements: Insurance companies know victims may need money and try to convince people to accept low settlement amounts.
When you have a lawyer, they can handle all of these challenges for you and help protect your claim.
Turn to The Fitch Law Firm LLC for Support in Pursuing an Esurance Claims
Some people are unaware that claims may be complex. Our team can use our knowledge and resources to your benefit, however.
The Fitch Law Firm LLC handles cases in Franklin County, Delaware County, Fairfield County, and many other surrounding areas of Ohio. Our firm has a proud history of representing injury victims and helping them recover fair compensation in all kinds of injury cases.
The Fitch Law Firm LLC Can Handle Your Ohio Insurance Claim
Insurance companies will do what they can to pay the minimum amount necessary to meet their obligations on a claim. Our lawyers can help recover fair compensation after an accident with an insurer.
Call today for a free consultation with The Fitch Law Firm LLC. Our firm has Columbus, Dayton, Cincinnati, Marion, and Springfield office locations. Should you be unable to visit us in person for any reason, we can Zoom, or we can come to you, whether you are confined to your home or hospital room.