If you’ve been injured due to someone else’s negligence, you have legal rights that protect you — but many people don’t fully understand what those rights are. Insurance companies often count on that confusion to settle claims for far less than they’re worth.
The Right to Full and Fair Compensation
You are entitled to be made “whole” — meaning compensation that fully accounts for all of your losses, both economic and non-economic. Economic damages include medical bills, future medical treatment, lost wages, and reduced earning capacity. Non-economic damages cover pain and suffering, emotional distress, loss of enjoyment of life, and loss of consortium.
Many people accept a quick settlement that only covers their immediate medical bills, not realizing they could be dealing with long-term consequences. Never accept a settlement without consulting an attorney first.
The Right to Remain Silent
You are not required to give a recorded statement to the opposing insurance company. In fact, it’s usually a bad idea to do so without legal advice. Adjusters are trained to ask questions in ways that get you to say things that can be used to reduce your compensation.
The Right to Choose Your Own Doctor
Despite what some insurance companies imply, you have the right to be treated by the doctor of your choice — not the one they recommend. Insurance-recommended doctors may have financial incentives to minimize your injuries. Your own doctor’s documentation will be more credible and thorough.
The Statute of Limitations
Your right to file a lawsuit is time-limited. Most states have a personal injury statute of limitations of 2-3 years from the date of the accident, but this varies and there are exceptions. Don’t assume you have unlimited time — contact an attorney promptly to protect your rights.