5 Things You Should Know After You Have Hurt Someone In A Car Wreck

In a former life I was a claims adjuster.  After that unpleasant experience, I vowed that I would NEVER represent an insurance company again.   For the past 14 years, I have kept that promise.

I only represent people who have been hurt in car wrecks and are fighting against insurance companies.   What most of you may not understand it that neither the people I represent nor I are looking to sue anyone.  Before hiring me, my clients are given the choice of either letting the insurance company totally rip them off, or doing something about it to make them do the right thing. 

But if you are on the other side of me, i.e., the person who was negligent, I am here to give you some help.  You need to know that you are simply a pawn to the insurance company that represents you.   You are at a disadvantage to what you do not yet know. 

 I am going to give you 5 things you need to know to help yourself in this process.

 

1-.  The Plaintiff cannot sue your insurance company in personal injury claims. 

The only way to bring and file a lawsuit is to file the lawsuit against you (the individual that caused the wreck) directly.   Is that they way I wish it was? No.  I’d love to directly sue Allstate, Direct, Travelers, or State Farm directly, but the rules do not allow that.   My fellow trial lawyers and I have tried to legislatively change that rule, but amazingly, the insurance companies like the rules just the way they are, and fight us with all of their vast, unlimited resources. 

In every jury case that is ever tried in a Tennessee Court, the jury is kept in the dark about the defendant’s insurance company.  The defendant and the insurance defense lawyer are always covered by insurance, but the jury never knows it.  The defense lawyer is fully paid for by the insurance company.  The judgment is paid by the insurance company in full over 99% of the time.  So, while you would think you might feel sorry for a defendant if a large verdict is given, your sympathy is likely misplaced.  That defendant has never, and will never, have to pay a single red cent, although the court will never share that information with you.

2- You will have a lawyer appointed to you by the insurance company, and he WILL have a conflict of interest with YOU.

You cannot serve 2 masters.  Either you will hate the one and love the other, or you will be devoted to the one and despise the other. 

These defense lawyers get hourly billing opportunities sent to them from the insurance companies.  One lawyer may have a book of business worth millions to his firm.  Do you think they are mindful of keeping that book of business?  You bet they do.   And they want to save their client, the insurance company, money, to keep them happy.   

Now, here you are, thinking that this insurance defense lawyer hired for you is looking out for you as numero uno, but guess what?  You are likely in 2nd place behind his desire to keep the referring insurance company happy. 

How can that bite you?  Let’s say you hurt someone and you have an insurance policy with Tennessee Farm Bureau Insurance Company.  Farm Bureau and their attorneys don’t want to pay very much on the claim you have caused, and they offer to the plaintiff something below your full insurance policy limits.  If this offer is not fair (and it likely is not even close) and if you go to trial, you may face a judgment in excess of the policy limits covering you for liability claims.  If the plaintiff offered to settle your case for the policy limits, and your insurance defense lawyer refused, that insurance company is not representing you in good faith.  They are not honoring their promise to pay your claims that was implied when you paid them all of those premium dollars.  In cases like that, the insurance defense lawyer and the insurance adjuster tried to save the insurance company money at your expense.  Because of that, you now owe money for their stinginess. 

They gambled with your money, and lost.  Now you owe.

 

3- The chances of you EVER having to pay a penny out of your pocket are extremely unlikely.

Unless the situation above occurred where the insurance company never offered your full limits of insurance benefits to the plaintiff that you hurt, there is very little worry that you will have to pay an excess verdict.  While there is that chance, it is very low.  In my career of handling over 3000 cases just like yours, I have only had one defendant pay a judgment that was not covered by insurance.  Just one.  

4- The insurance lawyer may bully you and have you change your story.

If you are clearly at fault for rear ending someone, and you tell the officer at the scene that you are at fault, the insurance defense attorney will still most likely deny fault in the answer to the complaint.  They are doing everything they can to protect the insurance company, and risking your assets in the process. 

Can you imagine, sitting on a jury when a person who is clearly at fault for rear ending someone is trying to convince you they are zero at fault?  And they are parroting what their insurance defense lawyer is telling them to say.  

I have seen it in my own cases.   I can tell you it doesn’t work well for the people in your shoes.  It ticks a jury off, and it doesn’t work.  You need to seriously consider asking for another defense lawyer if they try and pull this trick against you.   You have that right under your insurance contract.   You are the boss of your own case.  Remember that. 

This is highlighted in a wreck that I was personally involved in.  I had rear-ended someone while not paying attention.  I was at fault.  I got out of my car, and I apologized to the gentleman that I just hit.  I told him I was 100% at fault.  I told him that he would likely be sore and to not hesitate to go to the doctor if he needed to get checked out.  I told the police officer I was 100% at fault.  I called the fellow the next day to check on him.  He did indeed go to the doctor.  We stayed in contact for several months and I followed his care.  I saw him out at a restaurant and I paid his tab with his waiter before I left.  He told me that my insurance company was not easy to deal with and the adjuster was an ass.  I then called my own insurance company adjuster and told him to treat this man right.  The adjuster gave me some lines about it was “only soft tissue” and the impact was “very minor”.   I told them that was not true, and that I pushed this man forward about 10 feet.  I told them to take care of him and stop giving him the runaround.  Shortly after this, they dropped me from future insurance coverage.  Good riddance.

About a month later, the man was still getting the run around, so I asked him to sue me.   Can you imagine that?  I did. 

After I was served, I was appointed an insurance defense lawyer, who I am well acquainted  and have much respect for.  However, he did what every defense lawyer does, and told me that he was not going to admit fault in the answer, and was going to try to put some of the blame on the person I had hit.  I told him in no uncertain terms, “NO!”.    He complained but I told him that as the insurance company’s insured, I am the boss, and it is my butt on the line and to do what I say.  He did. 

I also sent my insurance company a letter saying that I wanted this lawsuit paid for and dismissed, and to pay whatever it took to get it settled, even if it meant “overpaying”. I wanted them to do their job, and protect my ass(ets). 

After going up a few levels of management, they ultimately did and the lawsuit was quickly dismissed.  

Why do you have to be a lawyer and threaten these insurance companies to get them to do their job? 

5- The Insurance company and their lawyer will keep the amount of coverage you have a secret

 

If you have seriously hurt someone, you should consider getting a non-insurance defense lawyer to represent you, alongside of the paid for insurance defense lawyer.  This way, you will have someone who is there by your side to truly protect your best interests.  This lawyer will not look at your case from the perspective of saving the insurance company money, but will rather look at it from the perspective of protecting your ass(ets).  Your own lawyer will write a letter to YOUR insurance company and to the insurance defense lawyer and urge them to do whatever it takes to settle the case and get you fully released. 

And if getting your case settled and dismissed means paying every bit of your insurance policy that you have already paid for, then so be it.   Why do you care?  Your insurance company has already charged you with an at fault accident.  They have already decided to raise your rates, or drop you from future coverage.  You don’t get any extra points, good will,  or discount if they settle your case for $10,000 or $100,000, or whatever your policy limits are from this point forward.  After all, you paid for 100% of your premium, right?  They owe up to 100% of your limits.  Don’t be afraid to DEMAND they pay YOUR full limits.

 

It is hard to not be offended when you have been sued.  I’ve been there.  Try to stay calm and not be.  You are not going to jail.  Other than your initial negligence, the cause of filing this suit is outside of your fault and control.   Since you left the scene of the wreck, your insurance company has been calling the shots.  They have likely gotten you in a storm that is not of your own making.  Adjusters have been rude and insulted my clients, not offered to pay a penny of the medical bills, shorted them on the lost wages, made promises to pay and failed, and  refused to keep their word.  It happens every single week.  (See my article: I’m not the Type to Sue, BUT…..”)

So, what steps do you need to take now that you have been sued:

  1. Call your insurance adjuster immediately.  Give them a copy of the lawsuit as soon as possible. You have a duty to cooperate. 
  2. Ask your insurance adjuster if they have paid to the plaintiff  the hospital bill and lost wages caused by this wreck.  If they tell you they can’t because it is their policy to only pay at the end, tell them that their policy may have been the reason that you have gotten sued.  This is the number one reason that folks come to see me.  The insurance company policy of not paying bills timely is not the law… it is their choice.  The insurance company will not usually agree to pay the bills caused by you as they are incurred.  Those bills go to collection, and the plaintiffs are having trouble feeding their family.  All because your insurance company has not paid one single dime for the injury claim.
  3. Confirm the amount of your insurance “liability policy limits”  with your adjuster.  Ask them to be prepared to pay the whole amount.
  4. Ask the insurance adjuster what amount they have offered to settle your case for.   Ask them what the plaintiff’s medical bills and lost wages total.  Particularly if you have Allstate or Direct Insurance.  These companies are notorious for “low balling” the people that get hurt by their insureds.  Stay aware of what is going on by asking the insurance adjuster to keep you up to date. 
  5. If you are the person that caused the wreck, ADMIT IT!  Don’t let your attorney blame the person you hurt in this wreck if you don’t believe it.  I see this every week with the type of BS that insurance defense lawyers get their clients to say.  It just makes you look irresponsible, and ugly, and will hurt you later on if there is a good plaintiff lawyer on the other side.  Don’t do it. 
  6. Don’t take the lawsuit personally.  This is difficult, but again, the insurance companies had a chance to settle this case on your behalf, and REFUSED.  Think about it from a reverse perspective.  If someone hurt your daughter and the other at fault driver and their insurance company blamed you, how would you feel about that?
  7. Consider getting outside independent counsel, and asking them to protect your own interests, and not just the insurance company.
  8. Ask the insurance defense lawyer how much business his entire firm gets from your particular insurance company.  You are entitled to know that, and how much money he bills per hour to the insurance company. 

 

If you have any questions after you have been hurt, or have hurt someone else, give me a call.  While I ALWAYS represent people against insurance companies, I will still be glad to give you advice if you do not yet have an attorney and you have hurt someone else.

Are you currently being sued because of a car wreck?  If so, call me for free advice independent of the insurance company’s lawyer who may not truly have your best interests as his first priority.  You are entitled to be put first. 

John Griffith
Nashville Personal Injury Trial Attorney