How Does an Insurance Adjuster Determine a Settlement Amount?

If you’ve been in an accident, you know that working with the insurance company can be a little difficult and there may be things you don’t understand. One of our St. Louis personal injury attorneys on your side during this process as they can help you understand things better.

How the insurance adjuster determines a settlement offer is one of those things that may need further explanation. Good adjusters will gather all the facts before making an offer. The methods an adjuster uses to come to an offer are:

1. Get the insured party’s story: They will see what the insured has to say about the accident. They will also read a police or accident report.

2. Investigate the plaintiff: The adjuster will see if the they have ever filed a claim and will also try to dig up any dirt on the plaintiff.

3. Gather claim documentation: This can include medical records, earnings proof, property damage proof and more. They will then meticulously review the documentation.

4. Determine values: The settlement value and the value of pain and suffering. The settlement value is determined after considering what the plaintiff’s chances of winning are and how much a jury may award them.

5. Give a first settlement: After the above steps, the adjuster will come to a first settlement offer.

If you have to work with an insurance adjuster, contact one of our St. Louis personal injury attorneys today!

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How Can You Negotiate with the Insurance Company?

If you’ve been in a car accident, you may get to the point where you have to negotiate with the insurance company. This process can be helped with one of our St. Louis auto accident attorneys on your side.

If you need to negotiate, knowing how will make the process smoother. These tips can help you in the negotiation:

1. Know what settlement you want: When you write a demand letter, you should know what your claim is worth. Determine a minimum settlement offer that you are willing to accept. This is for your information only.

2. Don’t be too eager to accept the first offer: Often, the adjuster’s first offer is very low. They want to see if you know what you’re doing.

3. Get justification for a low offer: Ask the adjuster for specific reasons for his offer. Make notes and then write a short letter responding to the factors and expect a response from them.

4. Highlight emotional points: The facts are stated in your claim. Emotional points can help your claim, such as, photos of a severely damaged car or of the injuries caused, or if the injuries interfered with your parenting, talk about that.

5. Write it down!: When you reach an agreement, ask write a confirmation letter to the adjuster. It will be a short, simple letter.

If you have to negotiate with an insurance adjuster, call your St. Louis auto accident attorneys today!

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Personal Injury Claim and Litigation Tips

Many times, an accident is minor and no further action is needed beyond calling the police and going to the hospital. With these, you can choose to handle them yourself. Accidents where there is severe injury or death should be handled with one of our experienced St. Louis personal injury attorneys.

This is about the accidents you wish to handle on your own. There are common mistakes accident victims make when choosing to deal with it themselves.

  • Giving a recorded statement: Regardless of what insurance companies say, it is not necessary to give a recorded statement and may actually hurt your case as they can use it against you.
  • Demanding too much or too little: These can both be damaging because it can show you’re unaware of the true value of your case. Know the laws and how much you should ask for.
  • Making the assumption that the system makes sense: Because the law changes so much, it does not always make sense. Do your research so you won’t get shorthanded.
  • Taking a “final offer” from the insurance company: You CAN push for more money, even after an offer.
  • Settling without knowing the extent of injuries: Gather all medical bills, records and even written letters from doctors. Be prepared.

These are some of the common mistakes made. Hiring one of your St. Louis personal injury attorneys can help you avoid these mistakes. Call us today!

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How to Pursue a Wrongful Death Lawsuit

Dealing with the death of a loved one who died in a wrongful death can be difficult. When seeking compensation for expenses after the death, there are many questions that are good to ask in the process. Having a wrongful death attorney can help you know the right ones to ask.

Some of the questions you want to ask are important in your claim. (A complete list of questions can be found here.) Four of those questions are:

  • How is a wrongful death claim pursued successfully? Because wrongful death occurs as a result of another person’s misdeeds or negligence, wrongful death must be proven. A wrongful death attorney will help you know how that’s done.
  • What kind of money damages can I collect? Generally, you can collect medical expenses, funeral expenses, general pain and suffering and lost future earnings.
  • How does an insurance claim work? The insurance company wants to pay as little as possible. They will try to discredit your claim so they can pay even less. The insurance adjuster will collect information, set reserves, evaluate damages, negotiate a settlement and defend in trial, if needed.
  • How long do I have to file a wrongful death claim? There is a statute of limitations in filing a claim. The time generally depends on the circumstances.

If you have any questions about a wrongful death claim, contact your St. Louis wrongful death lawyer today!

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I’ve Fallen and I Can’t Get Up! What to Do in Slip and Fall Accidents to Protect Your Rights

If you’ve had a slip and fall, you might be able to take action against the business or property owner. Knowing what to to do first can help you. A slip and fall attorney can help you with theses things.

If you’re injured in a slip and fall, report the accident to the owner of the business. This step should be taken immediately. Report it to the person highest up in the chain of command that is available. If injured on public property and you did not need emergency help, respond it to the city or town as soon as possible.

Next, get witnesses names and take pictures. If there were any witnesses, get their names and contact information. You should also take pictures of the accident scene. Take many pictures of this.

You should seek medical attention if it’s needed. While you are there, explain to the providers what happened to cause injury. Make sure you tell them exactly what you would put on the claim. Inconsistencies in the story won’t get you far. Make sure you attend all your medical treatments.

Fill out all the accident forms correctly. This is not required by law so if you don’t want to file a form, you don’t have to. Also, don’t give a tape recorded statement to the insurance company.

If you have any questions, please contact your St. Louis slip and fall attorney today.


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Can You Sue for a Slip and Fall Injury at a Business?

When you’re in a restaurant or a store, sometimes the floors can be very slippery. It can cause anxiety and sometimes injury. What can you do about a slip and fall in a business? Knowing the laws is helpful if you’re ever in this situation A slip and fall lawyer can help you understand them.

If you have a slip and fall in a store or business, there must be negligence for the business to be liable. The business was negligent and that negligence caused the fall to occur. A fall does not mean there was negligence. The conditions had to have been unsafe. The business must also have reasonably known the conditions were unsafe to prove negligence.

The nature of the claim determines who you can sue. In businesses where the store owner owns the property, they would be the defendant. If the slip was because of a structural problem with the building, the claim would generally be against the landlord or property owner. A slip and fall attorney can help determine who the suit would be against.

There are some questions that should be asked in a slip and fall case. Was the floor slippery? Was there a caution about it? Why was it slippery? How long had it been slippery?

If you have been involved in a slip and fall accident contact your St. Louis slip and fall lawyer today.

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Can You Assess the Value of a Life in Dollars of a Wrongful Death?

One of the most difficult things anyone experiences is the loss of a loved one. Their grief is compounded when their death could, and should have, been prevented. Whether it is due to medical malpractice, a work-related accident, automobile accident, or homicide, the person’s death inflicts, not only emotional pain and suffering, but also financial burdens and lost income.

Why call an attorney?

A Wrongful Death Attorney can help families understand their rights and options in these difficult times. While many people are reluctant to talk about money in regard to their deceased loved one’s life, it is necessary and appropriate to discuss this with a knowledgeable attorney who specializes in wrongful death cases.

Assessing the value of a wrongful death case

Attorneys are morally and legally prevented from guaranteeing specific cash amounts in these cases. The circumstances of each case are unique and courts are unpredictable. Also, courts and juries often have different assessments of value based on the type of wrongful death. Some deaths, like those caused by drunk driving, spark outrage. Medical malpractice cases are difficult to prove.

Most wrongful deaths are due to negligence in the workplace or wrongdoing by another person. If your family has lost a family member due to the carelessness or wrongful action of another person, contact a Wrongful Death Attorney with Hoffman & Gelfman Attorneys. After carefully listening to you, we provide a free initial consultation.

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Insurance Companies and their Strategy for Settlement with You

Practically everyone will be involved in an automobile accident at least once in their life. Often, the person most seriously injured is not at fault. These injuries interfere with their ability to earn a living, lead to high medical bills, and have a lasting effect the quality of life for the injured person and their loved ones.

It is extremely difficult to quantify what is an adequate settlement offer from the insurance company when you have never been through a life-changing automobile accident before. That why St. Louis Auto Accident Attorneys are here to help you. The following is some information for understanding insurance settlement offers and your available options.

Insurance company offers

The insurance company is a business and will try to settle for the lowest possible amount. They will begin low and try to pressure you to settle quickly. Take your time to review their offer thoroughly. It is a good idea to get third-party advice on what your total financial costs will be. Once you understand the value of your claim, determine a range that will be reasonable and acceptable compensation.

You can have a knowledgeable and experienced consultant on your side through every stage of the process by contacting our team of caring St. Louis Auto Accident Attorneys. If you or a loved one has been involved in an automobile accident, contact us today for a free consultation about your case.

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Personal Injury Litigation and personal Law Suits Explained

Many people have misconceptions about personal injury law and accidents. They may not understand how St. Louis personal injury attorneys can help them in the event of a mishap and injury. It is important to know you legal rights in these situations. The following are answers to some common questions.

What are personal injury cases?

Any event that results in personal harm for which another person is legally responsible. Examples include slip and fall accidents in stores or other public locations, unsafe products, work related injuries, vehicle and pedestrian accidents, and nursing home neglect.

How are personal injury cases determined?

Personal injury law is largely determined by court decisions. Unlike criminal cases that have their rules determined by statutes like penal codes. While many states do summarize the development of edicts from settled cases, court decisions remain the primary source of law in personal injury cases.

What is the Statute of Limitations?

If you are involved in an accident, you have a limited amount of time to file a lawsuit. This time period begins at the time of the accident. The statute of limitations is set by state law and often varies according to the type of accident. You should consult an attorney as quickly as possible to know your rights.

If you have been involved in an accident, contact our team of St. Louis personal injury attorneys to discuss your legal rights.

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Injured in a Accident – Crucial First Steps

If you are injured in an accident, your actions the first few days following the event are crucial. It will be a hectic and stressful time for you, but your St. Louis personal injury attorneys need evidence to build a strong case. The following tips will help you gather the necessary information.

At the scene

The location of any accident should be photographed. Look for and be sure to document any factors that may have contributed to the accident. This includes uneven sidewalks, broken steps, cracked floors, a faulty traffic light, or something that obscures the vision of drivers at an intersection.

Photographs and other evidence

Digital cameras make it possible to take lots of photos without having to worry about cost. Take plenty of photos from every angle to preserve all information about the scene of the accident. Be sure to keep the clothes you were wearing and take pictures of any injuries.


Other people can reinforce your case with impartial accounts of what occurred. Try to locate witnesses as quickly as possible to ensure their memory of events does not fade.

An accident affects all aspects of your life. Insurance companies may pressure you to accept a settlement to resolve the matter quickly. Have any offer reviewed by our team of St. Louis personal injury attorneys before you agree to a settlement. You may be entitled to more compensation. Contact us today.

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