I saw a YouTube Clip of a prominent American Trial Lawyer not long ago. It was very “us against them” in tone, but the messaging rang true.
For years, and in some cases, for decades, hard working people pay their hard earned after tax dollars to car insurers for premium payments. In Ontario, it’s illegal to drive a car without car insurance. So, paying your car premiums is the law; so you have to pay these premiums if you want to drive legaly.
More often than not, these payments are made to the same insurance company for years because studies show that people don’t often change insurance companies. That means you’re dealing with the same insurance company year, after year.
And year after year, nothing out of the ordinary will happen. You will pay your insurance premiums, and receive the occasional letter from your car insurer enclosing updated policy information and slips. But that’s pretty much it. You won’t ask a lot from your car insurer. And, in return, they won’t ask a lot from you aside from demanding the payment of premiums.
Car accidents and catastrophic events are the exception. They aren’t the rule. You can go your whole life without ever being involved in a serious car accident. And, let’s hope that’s the case because nobody wants to be involved in a car accident.
But, in the rare circumstance that you’ve been hurt or injured in a car accident; you would expect that the insurer who you have been dealing with for years to be there at your side in order to pay you the compensation which you deserve.
At the end of the day, you were in the wrong place, at the wrong time and have done nothing wrong. All that you are seeking is that you are compensated fairly for your losses, along with your pain and suffering.
But this is not how things work in personal injury cases. Instead of helping you out, the insurance company will use their immense resources to fight your claim every step of the way. They will pay experts, investigators and their lawyers thousands and thousands of dollars (if not more), to make sure that you aren’t compensated a single dime.