Claim for Personal Injury: How Insurance Works in These Cases

The aftermath of an accident can be time-consuming and daunting. Filing a claim for personal injury can help redress an imbalance created by another party’s negligence. Unfortunately, insurers tend to make the situation worse rather than alleviating the problem. Knowing all the details concerning this type of claim and the legal safeguards available is always the best course of action.

This guide provided by Devkota Law Firm will explain the common issues that arise when caring for these claims and why informing clients about their legal rights is crucial. Understanding your rights and the legal steps involved can make a significant difference in securing the compensation you deserve.

How Personal Injury Claims Work with Insurance Companies

In case someone else’s conduct hurt you, you are qualified for reimbursement of your medical bills, missed work, and pain and suffering. The process of filing a claim for personal injury generally follows these steps:

1. Reporting the Accident

The first step is notifying the responsible party’s insurance company about your claim. In Kansas, under K.S.A. 40-3107., insurers are legally required to handle claims in good faith. However, this doesn’t mean they’ll make it easy for you to get the compensation you deserve.

2. Insurance Investigation

Once notified, the insurance company will investigate your accident. This includes gathering police reports, medical records, and statements from those involved. The adjuster’s job is to minimize the amount their company has to pay, so be mindful when speaking with them.

3. Initial Settlement Offer

After reviewing the details, the insurance company may present a settlement offer. These initial offers are often lower than what victims genuinely need to cover their expenses. Accepting an early offer without fully understanding the extent of your damages can leave you financially strained later.

4. Negotiation Process

If the settlement offer is inadequate, your attorney can negotiate for a higher amount. Insurance companies may dispute liability or argue that your injuries aren’t as severe as claimed. Having legal representation ensures you have someone advocating for your full recovery.

5. Filing a Lawsuit if Necessary

If negotiations fail, filing a lawsuit may be the next step. In Kansas, you have two years from the date of injury to take legal action. Missing this deadline means forfeiting your right to compensation, so acting quickly is critical.

How to Communicate with Insurance Companies After an Accident

Filing a claim for personal injury after an accident means dealing with insurance adjusters trained to minimize payouts. What you say or don’t say can significantly impact your settlement. Here’s how to protect your rights:

What You Should Say:

• Stick to the facts: Provide only basic details like the accident’s date, time, and location.
• Refer them to your attorney: If you have legal representation, let your lawyer handle all communications.
• Request written communication: Keeping records ensures no misinterpretation of your statements.

What You Shouldn’t Say:

• Don’t admit fault: Even a simple apology can be used against you. The investigation determines liability, not your words.
• Avoid guessing about injuries: Some injuries worsen over time. Saying you feel “fine” could reduce your claim’s value.
• Never agree to a recorded statement: Adjusters may twist your words to limit their company’s responsibility.

At Devkota Law Firm, we handle all insurance negotiations to protect your rights and maximize your compensation. Consult our legal team before speaking with an adjuster to ensure your claim is handled correctly.

Understanding Liability in Personal Injury Cases

To successfully recover compensation, you must prove the responsible party’s negligence. This involves establishing four key elements:

• Duty of Care: The at-fault party was legally obligated to prevent harm. For example, drivers must follow traffic laws to keep others safe.
• Breach of Duty: They failed to uphold this responsibility, such as by speeding or texting while driving.
• Causation: Their actions directly caused your injuries.
• Damages: You suffered financial losses, physical pain, or emotional distress due to the accident.

Kansas follows a modified comparative fault rule, which states that you cannot recover damages if you are more than 50% responsible for the accident. Insurance companies may try to shift blame to reduce their payout, but an attorney can counter these tactics.

The Role of Insurance Adjusters in Your Claim

When filing an insurance claim, you’ll likely interact with an insurance adjuster hired by the insurance company to assess your case and calculate the compensation they’ll offer.

Adjusters evaluate your claim based on factors such as medical expenses, property damage, and the terms of your policy. To ensure fair treatment and protect your interests, consider having an experienced attorney manage communications and negotiations with the adjuster.

Common Insurance Tactics to Watch Out For

1. Lowball Settlement Offers

An insurance adjuster with a settlement offer may contact you shortly after your accident. This offer is often much lower than needed to cover medical bills, lost wages, rehabilitation, and long-term expenses. Many victims feel pressured to accept because they need immediate financial relief. However, once you accept a settlement, you cannot renegotiate for more money later, even if additional medical issues arise.

2. Blame-Shifting to Reduce Liability

Insurance companies often try to shift responsibility onto the injured party. In Kansas, the modified comparative fault rule states that you cannot recover compensation if you are more than 50% responsible for the accident. Adjusters may twist the details of your accident to argue that you were more at fault than you were. Without legal representation, you may end up accepting an unfairly reduced settlement.

3. Misusing Your Statements Against You

Even casual conversations with an insurance adjuster can be used against you. If you say, “I’m feeling better,” they may claim your injuries aren’t serious. If you speculate about what happened during the accident, they may use it to challenge your version of events. Never provide a recorded statement without first speaking to an attorney.

4. Delaying the Process to Pressure You

Adjusters may intentionally drag out the claims process, hoping you’ll become frustrated and accept a lower offer just to get things over with. They might request unnecessary paperwork, claim they need more time for an investigation, or ignore your calls and emails. This is especially harmful if you’re struggling with medical bills or lost income. Devkota Law Firm ensures insurance companies handle claims in a timely manner, preventing unnecessary delays.

5. Disputing Medical Treatment

Another common tactic is to challenge the severity of your injuries. Adjusters may argue that specific treatments are unnecessary, deny coverage for physical therapy, or claim that your injuries stem from a pre-existing condition. Having thorough medical records and legal representation is essential to counter these tactics and secure the compensation you deserve.

Navigating Insurance Coverage for Personal Injury Claims in Kansas

Kansas law mandates that all drivers carry Personal Injury Protection (PIP) as part of their auto insurance policy. PIP covers medical expenses, lost wages, rehabilitation costs, and essential services, regardless of who was at fault in the accident. However, these benefits have limits and may not fully cover the long-term financial impact of serious injuries.

Additionally, Kansas requires uninsured and underinsured motorists coverage to protect drivers when the at-fault party lacks sufficient insurance. If your damages exceed policy limits, you may need to file a claim for personal injury to pursue full compensation for medical bills, pain and suffering, and other losses. Understanding these coverages ensures you take the proper steps after an accident.

Legal Deadlines for Filing a Personal Injury Claim

Kansas law enforces a strict two-year statute of limitations for filing a claim for personal injury, as stated by K.S.A. 60-513. If you fail to take legal action within two years of the accident, you may lose your right to seek compensation, regardless of the severity of your injuries. This deadline applies to most accident-related cases, including:

• Car accidents involving negligent drivers
• Slip and fall incidents on unsafe premises
• Medical malpractice due to a healthcare provider’s negligence
• Workplace injuries that may require additional legal action beyond workers’ compensation
• Wrongful death cases filed by surviving family members

Filing early gives your legal team time to gather crucial evidence, secure witness testimony, and build the strongest case possible.

Get Legal Support for Your Kansas City Personal Injury Claim Today!

Insurance companies have teams of lawyers working to protect their interests. You should have a dedicated legal team fighting for yours. If you’re struggling with medical bills, lost wages, or ongoing pain, filing a claim for personal injury can help you secure the financial recovery you need.

At Devkota Law Firm, we take on insurance companies, so you don’t have to. We handle every aspect of your claim, from negotiating with adjusters to representing you in court if needed.

Why Choose Devkota Law Firm?

• Over 75 years of combined experience
• 98% success rate in personal injury cases
• No recovery, no fee—you pay nothing unless we win your case

With settlements ranging from $78,000 for a bicycle accident to over $2,000,000 for a semi-truck accident, we deliver results that make a difference in our clients’ lives.

Contact us today at 816-207-4255 for a free case evaluation and get started on your claim for personal injury.