When you’re injured in a car accident, everything changes in an instant - your health, your finances, and your peace of mind. Whether the crash happened in Appleton, Green Bay, or anywhere else in Northern WI, we want to help. At Natasha Misra Law, we understand what you’re going through and are committed to helping you get back on your feet—physically, emotionally, and financially.
Let’s take a look at something that can become a major roadblock to your recovery, the insurance companies, and how a car accident attorney can help you.
When you’ve been in a car accident, insurance companies may seem helpful at first, but their primary goal is to minimize what they pay out. Here are some common tactics they use to deny or reduce your claim:
Offering a Quick, Lowball Settlement: Insurance companies often push for a quick settlement, offering a sum far lower than what you may actually need. They hope you’ll accept before realizing the full extent of your injuries and financial losses. It may seem tempting, especially if you have medical bills piling up, but accepting this early offer can leave you short on funds later when more expenses arise.
Disputing Liability: Even if it’s clear that the other driver was at fault, insurance companies might still try to argue that you were partially or fully responsible for the accident. In Wisconsin, your compensation can be reduced if you're found partially at fault due to the comparative negligence rule. Their goal is to reduce their liability and, ultimately, your payout.
Downplaying Your Injuries: Insurance adjusters often question the severity of your injuries, suggesting that they aren’t as serious as you claim or that they were pre-existing. They may request access to your medical records, hoping to find something that weakens your claim.
Delaying the Process: By dragging out the claims process, insurers hope you’ll become frustrated and settle for less just to resolve the situation. The longer they wait, the more desperate accident victims can become, leading them to accept a lower offer than they deserve.
Pressuring You to Make Recorded Statements: Insurance companies may ask for a recorded statement soon after the accident, hoping you’ll say something they can use against you later. These statements can be taken out of context and used to downplay the severity of the accident or your injuries.
Understanding these tactics is key to protecting your rights and making sure you receive the compensation you deserve. At Natasha Misra Law, we know how to deal with these insurance company strategies, and we’re here to fight for your best interests every step of the way. Don’t let them push you into a settlement that doesn’t reflect your true losses, let us handle the negotiations for you.
Natasha Misra didn’t just become a personal injury attorney by chance. Helping people has always been her passion. She saw the devastating effects car, motorcycle, and truck accidents could have on individuals and their families. People are often left facing mounting medical bills, long-term disabilities, and the loss of essential things like their ability to work or their only vehicle. Natasha founded her firm to make a difference in these people’s lives by offering personalized attention and aggressive representation, and she can help you too.
We want to get you back on your feet and on the road as soon as possible. Our Milwaukee law firm represents all personal injury claims on a contingency fee basis, meaning you do not pay unless we win. Contact Natasha Misra Law today for a free consultation. Let us help you secure the compensation you deserve. Your recovery starts here.
Collision and comprehensive coverages are optional forms of insurance coverage that you may purchase under your auto insurance policy to compensate you for damage to your vehicle. Collision and comprehensive coverages can pay for the repair of your vehicle or the value of your vehicle regardless of who is at fault.
This blog discusses the benefits of collision and comprehensive insurance coverages.
If you have collision coverage, your auto insurance company will pay for damage to your vehicle if your vehicle collides with another vehicle or a hit-and-run vehicle. Your auto insurance company will pay for the damage to your vehicle even if you are at fault for the accident.
When Should I Buy or Drop Collision Coverage?
The amount you pay for collision coverage depends on the year, make and model of your car. Before you buy or drop collision coverage, you should look at the current value of your car as well as your ability to buy a similar car in the event that your car is totaled. If you own your car and can afford to replace your car on your own, you may decide not to purchase collision coverage.
What Is Comprehensive Coverage?
Comprehensive coverage pays for vehicle damage caused by covered events such as theft, vandalism, hail and flood damage. It also pays for damage to your vehicle as a result of striking an animal such as a deer.
Generally, if repairs exceed the value of your vehicle, your vehicle will likely be deemed a total loss. In order to receive payment for the total loss of your vehicle, you will need to use one of the following forms of auto coverage:
Collision Coverage will pay for damages as a result of a collision with another vehicle or object.
Comprehensive Coverage will pay for damages if your vehicle is stolen, vandalized or if you hit an animal, such as a deer.
Property Damage Liability Coverage allows you to receive compensation for your vehicle from the at fault party’s auto insurance policy.
A deductible is the amount of money you will be required to pay for damage to your car before your insurance company pays. The deductible for comprehensive coverage or collision coverage is applied to each accident or incident. For example, if you are in a car accident in the morning (collision coverage) and your car is stolen later that night (comprehensive coverage), then your insurance company will apply two different deductibles.
The higher the deductible means the lower the premiums. If you can afford the risk of a higher deductible, this can lower your insurance premiums.
If you have questions about your collision or comprehensive coverage after an accident, you should discuss your options with an experienced Milwaukee car accident lawyer. When Natasha Misra Law represents you for your injury claim, we also help you at no additional cost with the issue of repairing or replacing your vehicle to the full extent permitted by insurance coverage and the law. If you have been in an accident, you should not have to bear the economic burden. Together, we will look at the facts of your case and uncover all potential sources of recovery.
Call our office today at (414) 635-2833 to speak with a Milwaukee personal injury attorney.
My law practice is dedicated to helping people who have suffered injuries in accidents which were not their fault. Born and raised in Milwaukee, I come from a family of medical professionals. My background and experience help me understand and represent individuals injured in accidents.
.png){kind=small}
.png){kind=small}
.png){kind=small}
