Insurance Questions

Idaho Personal Injuries Attorneys

If you or a loved one has been injured in an accident, you will probably get a call from an insurance adjuster. Here are some secrets the insurance adjuster probably won’t share with you.

  • The careless driver’s insurance company may offer to pay your medical bills and lost wages;. however, under Idaho law, we may be able to help you recover additional money for your pain and suffering and changes in your lifestyle.
  • Almost every Idaho car insurance policy includes “no fault” or personal injury protection (PIP). This coverage is for medical expenses, lost wages, household expenses, or death benefit. Ordinarily, you don’t need an attorney to get PIP benefits, and they should be paid no matter who was at fault in causing the accident.
  • The careless driver’s insurance company may be required to pay all medical bills and lost wages—past and future. Before your case is settled, we will contact your doctors to get estimates of future medical expenses and possible future changes to your lifestyle.
  • There are many different types of insurance: underinsured coverage, uninsured coverage, and liability insurance. You may be entitled to benefits from more than one policy. However, if you sign a release from an insurance adjuster, you might lose your rights to get benefits from other types of insurance.
  • By Idaho law, your settlement or recovery gets reduced by the percentage of your fault. For instance, if you were 10% at fault, your settlement would be reduced by 10%. You don’t have to take the insurance adjustor’s estimate though. You can seek other estimates.
  • If your accident was caused by a friend or family member, we can make a claim for you against the insurance company with nothing coming out of the pocket of your friend or family member, even though he or she caused the accident.
  • The insurance adjuster works for the insurance company, not for you. His job is to get you the lowest possible settlement, while our job is to get you the highest possible settlement.
  • The insurance adjuster may recommend that you don’t hire an attorney. However, an attorney can point out things that you are entitled to, which the insurance company is not obligated to tell you.
  • If insurance companies know we are ready for a trial, they often will pay more in settlements—90% of our cases are settled without a trial.

At Montgomery Law we deal with insurance companies every day. We know insurance law, and we know how to deal with the insurance company and win. Don’t try to settle on your own, call us today.