For anyone who has suffered injuries as the result of a personal injury accident, retaining the services of a personal injury law firm is often the first step in leveling the playing field when it comes to receiving compensation for those injuries. Unfortunately, a victim is often at a disadvantage when it comes to negotiating a fair settlement from injuries sustained as the result of a personal injury accident because the defendant is frequently covered by liability insurance, meaning the victim has to negotiate with a team of experienced claims handlers and attorneys who are trained to limit the company’s exposure.

Finding out that the party responsible for your injuries was covered by liability insurance is good news in the long run; however, it means that all negotiating and/or litigating must be done with the insurance company in order to receive compensation for the injuries caused by the defendant. This can be extremely complicated, frustrating, and sometimes futile, without an experienced personal injury lawyer on your side.

Although an insurance company is legally obligated to cover damages caused by an insured’s negligence, they are certainly not obligated to pay them without contesting the insured’s negligence or contesting the amount of damages sought by the victim. A victim may be the victim in a personal injury accident once in his life, whereas the claims adjuster or attorney for the insurance company spends all day, every day, processing or litigating personal injury cases. If you have been the victim of a personal injury accident, you are in jeopardy of losing out on the compensation due to you if you do not have an equally competent and experienced personal injury lawyer working for you on your side.