The Hartford Insurance Group sits just outside of the top 10 players in the gigantic U.S. auto insurance market. Despite the millions of dollars it pays out in claims every year, the bottom line is that The Hartford operates just like every other for-profit business – it attempts to maximize revenue while minimizing expenditures. And, paying your auto accident claim is an expenditure that cuts into its profits.
When you are injured in an accident caused by another driver, you will face one of two possible scenarios: Making a third-party claim against the defendant’s insurance policy, or making a claim against your own insurance policy (if the defendant was uninsured, for example). There are two mistakes that you can make when you have a sizeable claim against The Hartford for an injury auto accident – attempting to negotiate with them yourself, and retaining substandard legal representation to do it for you. Negotiating insurance claims is what insurance companies do for a living, and they know exactly what they are doing. It is not enough, however, to hire a lawyer who knows how to negotiate auto accident claims. Insurance companies laugh at lawyers who know how to negotiate but lack the skills to enforce their claims in court, because negotiating skills are useless without the ability to actually compel an insurance company to pay if it refuses to raise its offer. The Hartford Insurance Group knows about Malman Law from years of experience resolving claims with us – and they’re not laughing. That is one of the reasons, ironically, that we settle 95 percent of our clients’ claims out of court. The term “95 percent” has two meanings at Malman Law – it represents the percentage of our clients’ claims that are settled out of court, and it also represents the percentage of our cases that are ultimately successful. Furthermore, our success rate is based on more than 20,000 personal injury clients over two decades of practice. Our track record is one of the reasons why we offer our Zero Fee Guarantee – if we don’t win, you don’t pay us a dime in legal fees. Moreover, any legal fees we charge you will be proportionate to the amount we recover for you. Unlike the relationship between you and The Hartford (where they make money only by diminishing your claim), your interests will be harmonious with ours. We understand that your main concern is to receive a recovery as fast as possible without having to settle for an amount that is less than your claim is worth, and that is what we will be aiming for from the moment we take your case. We will not hesitate to fight it out in court, however, if The Hartford insists on being stubborn.
“Two years ago I was involved in a trucking accident involving a 14-wheeler truck that nearly disabled me for life. Steve fought to make sure that I received the most possible compensation for my injuries. I was about to take the insurance company’s lowball offer, but decided to call Steve first — it was the best decision I’ve made yet.” – Malman Law client
No. You are only entitled to the actual damages you can prove. The three main categories of damages are:
Yes, you can, and you should reject an inadequate offer. You can then make a counteroffer, which The Hartford will then be free to accept or reject. Normally, settlement negotiations continue even after you reject an offer. In some cases, however, the only option is to file a civil lawsuit.
If you are negotiating with an insurance company, it will usually write you a check in exchange for your signature on a document releasing the insurance company for any further liability for your claim. If the defendant has no insurance and few assets, however, it may be difficult for you to actually collect the money.
This is a difficult question to answer without knowing the specifics of your case. Some cases are resolved in a few weeks; in extreme circumstances, however, a claim may take years to resolve. The time frame depends largely on how h3 your claim is and how stubborn the other side is.
There are many defenses that a defendant might use to try to escape or reduce their liability, depending on the facts of your case. Some of the most common are: