Hawaii Insurance Claim Lawyer
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Insurance companies can be very difficult to deal with. The insurance laws in Hawaii can be very confusing. When you have been injured in an accident, you don't have to try to deal with the insurance companies on your own. We are here to help you when you have been injured in an accident in Hawaii. We will deal with the insurance companies so that you can focus on recovering from your injuries.
Because the insurance laws can be very confusing and are always changing, it is important to have an attorney on your side who has focused his practice on Hawaii auto accident law. At the Law Offices of David W. Barlow, we only practice Hawaii injury law. This is why we have the experience and knowledge necessary to obtain the maximum compensation possible for your injuries.
Insurance laws vary from state to state. For example, Hawaii is a No-Fault Insurance Law State. Your own auto insurance company must provide coverage for your medical bills, regardless of who's fault the accident is. Although it may seem counter-intuitive that your own insurance company will pay for your medical bills, the purpose of this law is so that you can immediately begin your medical treatment without having to fight with the insurance companies about who's fault the accident is. Of course, the insurance company for the negligent driver must still compensate you for your pain, suffering, wage loss, and other damages. For more information about Hawaii's no-fault laws, call us today for a free consultation.
We have years of experience in Hawaii's personal injury law. Because personal injury law is complicated and ever-changing, it's essential to hire an experienced personal injury attorney. We have experience in all areas of Hawaii personal injury law including auto accidents, motorcycle accidents, moped accidents, pedestrian injuries, wrongful death, and slip and fall injuries. There are no attorney fees until you receive compensation for your injuries.
If you've been hurt in an accident, we recommend that you call an attorney before speaking with your insurance company. Although you may think that your own insurance company will have your back, sadly, insurance companies are more concerned about profits than people. The insurance adjustors may act very friendly and helpful, but don't be fooled. They only act this way so that you'll trust them and be willing to do whatever they say, even if they're telling you that you don't need a lawyer.
It's critical that you hire a law firm before calling the insurance company because the adjusters are trained to get you to give recorded statements as soon as possible. They know that some injuries don't manifest themselves for a day or two, so if they can get you to say on the first day that you aren't injured too badly then they will end up paying for less of your treatment and less for your pain and suffering.
Once you give a recorded statement than there is no way to redo it later if you find out that you have more injuries and damages than you first thought. The insurance company will hold onto that recorded statement forever and may even use it in court if necessary.
You may feel like you need to call all the insurance companies involved as soon as possible, but there's no sense in calling them all before you've had a chance to think things through and to consult an attorney. It won't hurt to wait a day or two to talk with your insurance company. If you do wait until you've obtained good legal advice, you'll find that doing so will pay great dividends in the long run.
Car insurance companies have been developing their strategies for decades. They have their businesses down to a science. It's a very lucrative business. All you have to do is consider how much advertising they do to realize that they are so good at denying claims and paying out as little as possible that they are willing to spend millions on advertising so that they can have as many policyholders as possible.
In a perfect world, there would be no need for insurance lawyers. Insurance companies would simply be honest and pay people what they deserve for their injuries. Sadly, this isn't a perfect world. It's one where the insurance company's profits are never enough. They will always do whatever they can to pay out as little as possible for injuries so that they can pocket as much of there profits as they possibly can.
Feel free to call us anytime to discuss your case. Contact our injury lawyers today to discuss your options.
Although we only specialize in auto accident injuries and slip and fall claims; there are many resources in the community if you need assistance with other legal issues. A program that we highly recommend is the University of Hawaii Law School Pro Bono Program.