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Myth 4:<\/strong> You should get a fast settlement<\/em><\/p>\n TRUTH:<\/strong> Actually, it’s easy to get a fast settlement. \u00a0What’s unusual is a fast and fair settlement. \u00a0The insurance companies love fast settlements, because if you are in a rush, they know they will be able to settle for pennies on the dollar. \u00a0But if you want to get the full amount that your claim is worth, it is rare to get it quickly. \u00a0Some cases, from accident to payment, can take years.<\/p>\n After the accident, you will need to contact your insurance company. \u00a0Then, if you decide to pursue the case yourself, you will need to provide proof of medical treatments and eventually, after you are medically stable (which can take months), you will need to contact the at-fault person’s insurance company and negotiate the amount you will receive for damages. \u00a0All of this can take a while especially if the adjuster is being difficult and delays or denies your claim.<\/p>\n Myth 5:<\/strong> You can never get a fair settlement in less than 90 days.<\/em><\/p>\n TRUTH:<\/strong> On rare occasions, you can get the full value of your case quickly. \u00a0It generally happens in a “policy limits” case. \u00a0This means that your case is clearly worth more than the limit of the insurance policy of the person who injured you.<\/p>\n For example, we have represented a woman who was hit by a car while she was crossing a crosswalk on foot. \u00a0She suffered a badly broken ankle, which required emergency surgery to place pins and rods to hold the bone in place. \u00a0The person who hit her had $250,000 worth of insurance coverage, and since we were able to convince the insurer that the case was worth more than that, they paid the entire $250,000 within 60 days. \u00a0But this happened only because the value of the injuries was greater than the value of the insurance policy. \u00a0And since the policy limit is the most the insurance company will never have to pay, taking it quickly can be a good idea.<\/p>\n But before you take that policy limit settlement, make sure you are not leaving additional money on the table. \u00a0For example, if the person has an umbrella policy, or was on the job for a company with additional insurance policy, or if the person is wealthy, there might be other options you can pursue to ensure you are fully compensated for your injuries.<\/p>\n