A Word of Caution About Insurance Companies

TV Influences How You Think

Insurance companies advertise on TV so that you will identify with their feel-good slogans. One of the principles of advertising is that if they smile and say the same things enough times, then you will identify with their message. Be careful! A cute little lizard, with good hands, who has seen it all, is not going to protect you from mayhem.

Insurance Companies Do Not Have a Code of Ethics

In practice they smile at you when they take your money and play hardball when you have a claim. They do business in the world of individual catastrophe. In theory they spread the risk of financial disaster by collecting premiums and paying claims. In practice, insurance companies are monolithic money-making corporations run by shrewd businessmen.  The goal of a corporation is to make money for their shareholders.  They will do that with your insurance claim if you let them get away with it.

Are There Rules for Insurance Companies?

In Washington State your insurance company has an obligation of good faith and fair dealing when dealing with you their first party insured or third-party claimants. If your insurance company treats you fairly you are lucky. However, don’t hold your breath waiting to see evidence of their good faith. If your own insurance company does not treat you fairly then talk to a lawyer or contact the Office of the Insurance Commissioner

Your own insurance company’s good faith duty requires them to protect the interests of their insured. If it’s your insurance company, then the insured is you. They are required by contract to defend you and indemnify their insured client. However, they do not owe you a settlement. They are required to exercise good faith when dealing with you. That means they must respond promptly, thoroughly investigate, and pay within a reasonable time. In the end, they are looking for a release of all claims from you, and nothing more.

The insurance company for the other guy owes you nothing. They may offer you a settlement in exchange for your release. They however are not talking to you because it’s the right thing to do. They are talking to you because they have to, to get the release signed by you. They would like you to settle cheap, so they can save their company some money. If you can get them to settle for a fair amount, then congratulations. If not then hire a lawyer, file a lawsuit, and you and your lawyer can show them what they owe you.

Once your lawyer files a lawsuit, you will have their attention. They will notice you because they must start paying their attorneys. They will have to meet court deadlines and keep up with your attorneys demands for discovery depositions, interrogatories, and requests for production. Your lawyer should keep them so busy that they will want to settle your case.

Do You Want the Insurance Company to Pay Attention to You?

Then hire a good lawyer.

How to get a Free Consultation and Case Evaluation.

There are 4 different ways you can get a free initial consultation. Take your choice:

  1. Complete the Free Case Evaluation Form below
  2. Call / text: (206) 343-1988
  3. Email us: info@sharpelawfirm.org
  4. Schedule an appointment via Calendly

We usually reply to forms, texts, and emails within 1 business day.

Free Case Evaluation Form

"*" indicates required fields

Ex. Back injury preventing me from working
Ex. How injury occurred, were you at work? Have a personal injury caused by someone else? Who was involved, did you require medical treatment, how can we help you?

The Smart Way to Find Out If You Have a Good Case.

Get a free consultation from a lawyer: Tell us about your concerns and let us show you some smart choices you can make for your claim. At the end of the call, no matter what you decide to do, you will have fresh ideas and an action plan. You will know that you have taken important steps to get your claim moving in the right direction. Protect yourself and your L&I or Personal Injury claim with a free case consultation.

Don't Guess

Don't guess about the value of your claim. Don't compare your claim to someone else's. Get an expert opinion about your claim, from an experienced lawyer. Expertise counts, so use it to your advantage. Consultations are free. This strategy session will help you get informed.

Are Attorney Consultations Really Free?

Yes, they are. Because both you and the attorney want to know if your case is any good. A free phone consultation or email gets that figured out quickly.  Questions are answered and no time is wasted. Call 206-343-1988 or email and let us help you figure it out with a free consultation.

Chris Sharpe

Meet Chris Sharpe

Christopher Sharpe is the go to attorney for injured persons. His law firm is helpful, honest, and knowledgeable about workers' compensation and personal injury law in the State of Washington. Chris has been helping injured Washington State workers for over 40 years. He has built a successful law practice by thoroughly educating, honestly helping, and successfully representing workers throughout Washington State.

Call Now Button