contact us today (816) 207-4255
contact us today (816) 207-4255
The aftermath of an accident can be time-consuming and daunting. Filing a claim for personal injury can help redress an imbalance created by another party’s negligence. Unfortunately, insurers tend to make the situation worse rather than alleviating the problem. Knowing all the details concerning this type of claim and the legal safeguards available is always the best course of action.
This guide provided by Devkota Law Firm will explain the common issues that arise when caring for these claims and why informing clients about their legal rights is crucial. Understanding your rights and the legal steps involved can make a significant difference in securing the compensation you deserve.
In case someone else’s conduct hurt you, you are qualified for reimbursement of your medical bills, missed work, and pain and suffering. The process of filing a claim for personal injury generally follows these steps:
The first step is notifying the responsible party’s insurance company about your claim. In Kansas, under K.S.A. 40-3107., insurers are legally required to handle claims in good faith. However, this doesn’t mean they’ll make it easy for you to get the compensation you deserve.
Once notified, the insurance company will investigate your accident. This includes gathering police reports, medical records, and statements from those involved. The adjuster’s job is to minimize the amount their company has to pay, so be mindful when speaking with them.
After reviewing the details, the insurance company may present a settlement offer. These initial offers are often lower than what victims genuinely need to cover their expenses. Accepting an early offer without fully understanding the extent of your damages can leave you financially strained later.
If the settlement offer is inadequate, your attorney can negotiate for a higher amount. Insurance companies may dispute liability or argue that your injuries aren’t as severe as claimed. Having legal representation ensures you have someone advocating for your full recovery.
If negotiations fail, filing a lawsuit may be the next step. In Kansas, you have two years from the date of injury to take legal action. Missing this deadline means forfeiting your right to compensation, so acting quickly is critical.
Filing a claim for personal injury after an accident means dealing with insurance adjusters trained to minimize payouts. What you say or don’t say can significantly impact your settlement. Here’s how to protect your rights:
At Devkota Law Firm, we handle all insurance negotiations to protect your rights and maximize your compensation. Consult our legal team before speaking with an adjuster to ensure your claim is handled correctly.
To successfully recover compensation, you must prove the responsible party’s negligence. This involves establishing four key elements:
Kansas follows a modified comparative fault rule, which states that you cannot recover damages if you are more than 50% responsible for the accident. Insurance companies may try to shift blame to reduce their payout, but an attorney can counter these tactics.
When filing an insurance claim, you’ll likely interact with an insurance adjuster hired by the insurance company to assess your case and calculate the compensation they’ll offer.
Adjusters evaluate your claim based on factors such as medical expenses, property damage, and the terms of your policy. To ensure fair treatment and protect your interests, consider having an experienced attorney manage communications and negotiations with the adjuster.
An insurance adjuster with a settlement offer may contact you shortly after your accident. This offer is often much lower than needed to cover medical bills, lost wages, rehabilitation, and long-term expenses. Many victims feel pressured to accept because they need immediate financial relief. However, once you accept a settlement, you cannot renegotiate for more money later, even if additional medical issues arise.
Insurance companies often try to shift responsibility onto the injured party. In Kansas, the modified comparative fault rule states that you cannot recover compensation if you are more than 50% responsible for the accident. Adjusters may twist the details of your accident to argue that you were more at fault than you were. Without legal representation, you may end up accepting an unfairly reduced settlement.
Even casual conversations with an insurance adjuster can be used against you. If you say, “I’m feeling better,” they may claim your injuries aren’t serious. If you speculate about what happened during the accident, they may use it to challenge your version of events. Never provide a recorded statement without first speaking to an attorney.
Adjusters may intentionally drag out the claims process, hoping you’ll become frustrated and accept a lower offer just to get things over with. They might request unnecessary paperwork, claim they need more time for an investigation, or ignore your calls and emails. This is especially harmful if you’re struggling with medical bills or lost income. Devkota Law Firm ensures insurance companies handle claims in a timely manner, preventing unnecessary delays.
Another common tactic is to challenge the severity of your injuries. Adjusters may argue that specific treatments are unnecessary, deny coverage for physical therapy, or claim that your injuries stem from a pre-existing condition. Having thorough medical records and legal representation is essential to counter these tactics and secure the compensation you deserve.
Kansas law mandates that all drivers carry Personal Injury Protection (PIP) as part of their auto insurance policy. PIP covers medical expenses, lost wages, rehabilitation costs, and essential services, regardless of who was at fault in the accident. However, these benefits have limits and may not fully cover the long-term financial impact of serious injuries.
Additionally, Kansas requires uninsured and underinsured motorists coverage to protect drivers when the at-fault party lacks sufficient insurance. If your damages exceed policy limits, you may need to file a claim for personal injury to pursue full compensation for medical bills, pain and suffering, and other losses. Understanding these coverages ensures you take the proper steps after an accident.
Kansas law enforces a strict two-year statute of limitations for filing a claim for personal injury, as stated by K.S.A. 60-513. If you fail to take legal action within two years of the accident, you may lose your right to seek compensation, regardless of the severity of your injuries. This deadline applies to most accident-related cases, including:
Filing early gives your legal team time to gather crucial evidence, secure witness testimony, and build the strongest case possible.
Insurance companies have teams of lawyers working to protect their interests. You should have a dedicated legal team fighting for yours. If you’re struggling with medical bills, lost wages, or ongoing pain, filing a claim for personal injury can help you secure the financial recovery you need.
At Devkota Law Firm, we take on insurance companies, so you don’t have to. We handle every aspect of your claim, from negotiating with adjusters to representing you in court if needed.
With settlements ranging from $78,000 for a bicycle accident to over $2,000,000 for a semi-truck accident, we deliver results that make a difference in our clients’ lives.
Contact us today at 816-207-4255 for a free case evaluation and get started on your claim for personal injury.
Tarak Devkota is the founder and managing partner of Devkota Law Firm LLC, dedicated to representing individuals in Kansas and Missouri. Practicing law since 1999, Mr. Devkota has led numerous high-stakes cases involving personal injury, insurance disputes, and claims against government entities. Known for his exceptional jury trial expertise, Tarak has successfully resolved complex litigation cases, consistently advocating for justice on behalf of his clients.
•Over 25 years of legal experience in Kansas and Missouri.
•Founder of Devkota Law Firm LLC, specializing in personal injury and governmental liability.
•Recognized for taking on challenging cases and achieving outstanding results.
Linkedin Page: Tarak Devkota
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This page has been written, edited, and reviewed by a team of legal writers following our comprehensive editorial guidelines. This page was approved by Founding Partiner, Tarak Devkota who has more than 20 years of legal experience as a personal injury attorney.
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