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Why You Need a Personal Injury Lawyer When Filing a Car Accident Claim with American National Insurance

No matter how cautious you are behind the wheel, car accidents are an unavoidable part of driving. Dealing with the aftermath can be daunting, particularly if you’re injured or facing significant vehicle damage. These incidents often result in injuries, lost wages, and increased expenses. The situation gets more complicated with a convoluted claims process managed by insurance companies, which can become a nightmare. Insurers like American National Insurance often contribute to the problem with delays or low settlement offers.

If you’ve been in a car accident in Las Vegas and are struggling to secure fair compensation, it’s essential to seek the assistance of an experienced personal injury attorney like Kaplan Law Group. Having a lawyer specializing in car accident cases can significantly influence the success of your claim.

About American National Insurance Company:    
American National Insurance Company began in 1905 in Galveston, Texas. It offers over five million US and Puerto Rico policyholders life, home, business, auto insurance, and financial products. While its bread and butter is life and home insurance, it also provides auto insurance, which means that if you’re in an accident, American National could be the insurance company you work with to get compensation.
Regarding compensating victims, American National falls squarely in the middle compared to other insurance companies. Compensation for car accident injuries or damage tends to be adequate, but many have noted that they do not like low property damage cases or questionable liability. No matter your circumstances, it’s best to work with a car accident attorney when facing American National’s claims team.
How to File a Car Accident Claim with American National Insurance:    
To start a claim with American National, you can file online or call their claims center at (800) 333-2860. During this initial conversation, American National will seek basic information such as:
  • Date, time, and location of the collision
  • Names of drivers involved in the collision
  • Vehicles involved in the collision
  • Descriptions of any damage resulting from the collision
  • A police report of the collision
  • Photos or videos of the collision
Next, they will assign a claims adjuster to begin the official investigation into your accident. This adjuster should contact you within 7-10 business days to continue conversations. One of the first things they’ll ask for will be a recorded statement. Be careful when giving a recorded statement without consulting a personal injury attorney. Any information you provide to an adjuster will be treated as evidence and could be used against you in court. American National may leverage discrepancies, misunderstandings, or admissions may be leveraged to minimize the payout. We advise consulting with an experienced lawyer to prepare and submit your statement to safeguard your rights.
If they find that their policyholder caused the car accident, they will offer an initial settlement. Historically, initial settlements are low and might not account for all your expenses. Offer letters will include a waiver that prevents you from seeking additional compensation in the future; make sure you don’t sign off on an inadequate offer. Before signing anything, review your offer carefully with your attorney. Remember: it is your right to reject this offer. If you reject, you can present additional evidence to strengthen your argument and negotiate a higher settlement.
If your claim gets denied or if you’ve received an insulting settlement offer, it might be time to consider a lawsuit with a personal injury lawyer.
How do I maximize my American National Insurance settlement?

When you’ve received a low offer or denial, sufficient evidence will be the most crucial factor in increasing your offer. At a baseline, you will need to be able to prove that:

  1. ) You sustained injuries.
  2. ) The injuries were a result of the insured’s negligence.
  3. ) The negligent party is insured by American National Insurance.

Another easy way to maximize your settlement is to work with a car accident lawyer in Las Vegas. Often, when insurance companies see an attorney enter the mix, they will immediately present a more fair settlement. Your lawyer’s expertise will ensure the claims adjusters don’t try the same tactics to lower your compensation. In fact, according to a 2017 study by Martindale-Nolo Research, accident victims with legal representation receive settlements nearly three times higher than those without. 

How Can Kaplan Law Group Help Me with American National Insurance?

 

Dealing with personal injury or property damage claims can be an infuriating experience. Engaging a personal injury attorney will make the process easier and ultimately increase your payout. Research shows that hiring a car accident lawyer is one of the most impactful steps. Martindale-Nolo Research found that “more than nine out of ten readers who had legal representation received a settlement or award, compared to about half of those who handled their own injury claims.” 

If you’ve sustained injuries in a car accident in Las Vegas and are negotiating with American National Insurance, our team is ready to assist you. Call Kaplan Law Group at 702-381-8888 to schedule a complimentary consultation with one of our dedicated personal injury attorneys.

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