How to Choose an Insurance Company
One of our former clients asked that we write about how to choose an insurance company. All of us at one point or another need to deal with this problem, yet most have little information upon which to make an intelligent decision. Below are some general guidelines which have been taken from the new consumer guide (PDF) we have recently posted on our website. Feel free to contact our office if you would like us to mail you a copy.
How to Choose A Lawyer Who Will be Right for You can be a difficult process. It is important that you devote sufficient time to choosing the right lawyer who will understand your needs and have a reasonable chance at meeting your expectations. It is important to ask questions of both the lawyer and his staff. You should of course expect complete and understandable answers. You should also trust your instincts in determining whether there will be a good "fit" between you and your lawyer and his/her staff. If not, consider interviewing several other lawyers before you make a final decision. You do not have to hire the lawyer the first time you meet with him/her.
In Colorado the insurance for the person who injured you does not have to pay any money until the end of your claim, making it more difficult to settle without the help of a lawyer. However, if you would like to try and settle your own claim, we would like to offer some suggestions for how you can do so. The first issue you will need to address is whether your health insurance carrier, which has been paying for your medical bills, has a “subrogation” claim against any settlement you have with the other driver’s insurance company. Subrogation means that the health insurance company will need to be reimbursed from your settlement. Not all health insurance companies have this right, but it is important that you find out prior to any settlement. In cases where you have suffered a minor injury and have made a full recovery in a short period of time, you may be able to handle your claim without an attorney. It would, however, be helpful for you to understand your rights and have a general idea of how this process works. Unfortunately, most insurance company representatives may not be motivated to look out for your best interests during this process. Therefore, knowing what to expect will help you obtain a fair and reasonable settlement.