Insurance companies play a numbers game on each personal injury claim that is presented to a claims adjuster.  The first gamble is whether the injury victim will hire a St. Louis personal injury lawyer to represent the victim against the negligent party and his/her insurance company.  Most victims feel they have the bargaining power to deal with an insurance claims adjuster without legal representation.  Even the most highly-educated victims will fight a losing battle when they chose to proceed without legal assistance.  Insurance claims adjuster are highly trained at negotiation and are always in a powerful bargaining position compared to a car accident injury victim.  The injured party is vulnerable due to the physical, emotional, and financial stress of a serious car accident or other injury-producing incident.  Statistics prove that accident victims obtain 3X-5X the compensation for a personal injury claim when a lawyer is retained.

Another gamble that insurance companies will play is when an injury lawyer presents a settlement demand package.  The gamble is when the claims adjuster decides not to pay the compensation demanded by the personal injury lawyer, or denying the claim all together.  When an adjuster rejects a lawyer's settlement demands, a lawsuit is typically filed against the negligent party.  The insurance company is then forced into litigation and to defend and indemnify their insured.  If the insurance company had no reasonable basis to deny the settlement demand for compensation made by the injury lawyer, the insurance company may have committed "insurance bad faith."  To learn more about bad faith litigation, visit the Schultz Legal Group injury victim information website.

Some of the best Missouri personal injury lawyers are located in St. Louis.  When searching for a lawyer make sure that he or she is focused solely on personal injury law.  Lawyers who practice family law or criminal law, for example, are probably not the best choice for your personal injury claim.  It is critical to locate a lawyer who is focused on one area of litigation.  This ensures that your injury claim will be handled by an attorney who is experienced in injury settlement negotiations and jury trials.  You only get one chance to obtain fair compensation for a personal injury claim....make that one shot count by hiring the best.