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If an insurance company has made you an offer, you should discuss its pros and cons with an injury lawyer before you accept it. With the ever increasing number of vehicles on the road, motor vehicle accidents are not so infrequent today. In Australia for instance, statistics reveal that around 1000 road accidents occur each year. Motor vehicle accidents often result in vehicular damages, personal injury and even fatalities. After getting injured in a motor vehicle accident, if the injuries are not serious, you can discuss your claim directly with the relevant insurer. Most insurers are in fact willing to settle minor claims outside the courts because litigation is often costly and time consuming. Therefore, when the insurer is made aware of your injuries, the insurer may make an initial offer to settle your claim. Sometimes, the insurer may also offer to pay you a certain amount of money as “without prejudice payment” without accepting liability for the accident. If the amount the insurer is willing to pay either by accepting liability or otherwise is sufficient for the medical and other expenses you have already incurred and you will have to incur in future as a result of the accident, you can actually accept the insurer’s offer. In most cases, it will be difficult to predict the exact amount costs and expenses you will have to incur for your medical and other needs after the accident. Sometimes, the injuries can be more serious than they first appear and can require long term and sophisticated treatments. Some injuries can leave the person with permanent disabilities. As a result, the actual amount of money you will have spent on your medical treatments in the end can be several times bigger than previously thought. Moreover, there can be various other expenses such as rehabilitation and travel expenses the insurer making the initial offer is likely to overlook. Once the insurer’s offer is accepted, you may not be able to claim any payment for such other additional costs. Therefore, before taking a hasty decision on settlement of your claim, it may be necessary to discuss the matter with an injury lawyer who can advise you on pros and cons of accepting the insurer’s offer. With the assistance of your injury lawyer you will be able to take a considered decision which you will not have to regret in the future.
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