How Does 21st Century Handle Injury Claims? | Boulder Injury Lawyers
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If you have recently been injured in an automobile accident or other event, you are likely to be concerned about several important issues. Although taking the time to recover from the injuries is paramount, inevitable questions such as “How will I pay for medical bills?” and “How much time will I miss from work?” are likely to arise.
One major issue that accompanies an injury is filing an insurance claim and dealing with insurance companies. Although filing an injury claim with an insurance company can be a frustrating process, there are some ways to alleviate some of the stress involved.
If you or a loved one has been injured or involved in an automobile accident and are dealing with 21st Century Insurance, call Zinda Law Group at (800) 863-5312 for a 100% free case evaluation with our skilled and experienced Boulder accident attorneys.
About 21st Century Insurance
21st Century Insurance is a branch of the Farmers Insurance Group. Although the company may not be as popular as some of the larger insurance providers such as State Farm or Allstate, 21st Century is nevertheless in the business of selling insurance.
This means that the company’s primary goal is to make money. 21st Century meets this goal by receiving more money in premiums than it pays out in claims. To accomplish this, the company must find ways to pay out as little as possible when dealing with injury claims.
Understanding how 21st Century handles customer claims can make you aware of the tactics that the company uses to try and pay out as little as possible.
Filing a Claim
After being injured in a car accident or other event, you may have to file a claim with 21st Century if the company insures the at-fault individual or entity, or if you have personal coverage through a policy with 21st Century.
You can file a claim with 21st Century by contacting the company’s HelpPoint Claim Services at (888) 244-6163, or by going online at 21st.com. The company suggests that you have your insurance ID card handy in order to provide the policy number.
Additionally, the claim filing process well require you provide information regarding the accident that led to your injury. The information that you should have handy includes:
- The date, time, and location of the accident;
- The make, model, year, and license plates of the vehicles (if a car crash); and
- The injuries or vehicular damage sustained
You may want to consider consulting with an experienced injury attorney before sharing the details of your injury with 21st Century. This is because the answers that you provide could end up hurting the overall value of your claim.
A skilled personal injury attorney will be able to guide you through this question-and-answer process in order to maximize your chances at receiving a fair settlement.
Handling Your Injury Claim
After filing your claim, 21st Century will assign your case to a claims representative who will be able to assist you throughout the handling of your claim. The adjuster will be responsible for investigating the facts and circumstances surrounding the event that led to your injury. It is important to remember that the adjuster works with the insurance company’s best interests in mind, not yours.
After the adjuster is done investigating the facts of your case, he or she will report the findings to 21st Century, which will then use programs and formulas to come up with monetary values that are supposed to correspond to your injuries and damages. Keep in mind, however, that these programs are designed to lower the amount of your claim. This occurs because such programs fail to take into consideration important factors such as your stress, emotional trauma, and inability to participate in activities that you used to enjoy.
Because these strategies and tactics used by 21st Century and its adjusters are designed to keep the company profitable, it is possible that you will receive a settlement offer below the actual value of your claim. If this happens, you may want to consider consulting with a skilled personal injury attorney who can provide you with valuable information and tips regarding the possible negotiation of your settlement offer.
Settling and Negotiating Your Claim
As previously mentioned, the strategies and tactics used by 21st Century will likely result in the company making an initial settlement offer that is below the actual value of your claim. Although such maneuvers are certainly frustrating, it is important to realize that it is possible to negotiate a more favorable settlement offer.
The negotiation process consists of a back-and-forth communication between you and the claims adjuster. Negotiating with an insurance company will require you to support your demands by providing the insurance company with evidence and documentation regarding your accident and subsequent expenses.
Although difficult to achieve, an ideal negotiation process will result in a settlement amount that is satisfactory to both you and the insurance company.
Filing a Lawsuit
Before deciding whether to file a lawsuit against 21st Century, it is important to consider what your claim is actually worth as well as the likelihood that your case would win at trial.
Estimating your claim’s value, which requires you to calculate all of your expenses, bills, and lost income, will allow you to determine whether a proposed settlement offer is acceptable or not. Having a concrete number in mind will make it easier to decide whether to accept or reject a settlement offer.
Finally, you should take into consideration the legitimacy of your case. Consider the evidence and documentation on your side and whether it supports your financial demands.
If you are unsure of how to assess these factors, consider discussing your case with a personal injury attorney. An attorney who has experience in dealing with insurance companies can provide valuable advice on how to proceed with your claim.
Our Boulder Injury Lawyers Will Fight on Your Behalf
At Zinda Law Group, our Boulder injury attorneys have the skill, experience, and desire to assist you following an accident. Our attorneys have handled many injury claim cases and have access to resources that can help you build the strongest claim. We will work tirelessly to assist you in seeking compensation for medical bills, property damage, lost wages, pain and suffering, and more.
Our firm also believes that an injury victim should never have to worry about being able to afford excellent legal representation. That is why we offer 100% free consultations, and why you pay nothing unless we win your case. That’s our No Fee Guarantee.
If you would like to speak with an experienced Boulder injury lawyer, or to learn more about the 21st Century Insurance claims process, call Zinda Law Group at (800) 863-5312 to receive your free case evaluation.
Meetings with attorneys are by appointment only.