It is tempting for individuals in Minnesota to settle their own personal injury claim. This is partly because handling a claim will allow you to keep all of your settlement and partly because Minnesota allows six years for filing a personal injury lawsuit. Six years for many is plenty of time to work out a settlement while giving one time to find a lawyer and file a suit if nothing is accomplished.
|Minnesota Personal Injury Laws|
Statute of Limitations
|6 Years for most cases. Certain instances may change this limit.|
|Damages Recoverable||Future earning ability, lost wages, property damage, medical expenses, cost of household help, pain and suffering|
|Strict Liability||Product manufacturer may be liable for injuries caused by a consumer product|
|Joint Liability||Each defendant liable for percent of damages as determined by court|
|Contributory Negligence||If plaintiff is found more at fault than any one defendant, no damages will be awarded.|
Before contacting any insurance company to work out a settlement do some research about the company. The Internet is a great place to find out about past lawsuits or settlements with an insurance company. Try to find out if anyone else has successfully settled a personal injury claim in Minnesota with the company without the help of an attorney. Get their feedback and learn from successes and error.
Guard your tongue when talking to an insurance claim adjuster in Minnesota. They can, and will, hold anything you say against you if it will help their company out of a difficult situation. With this in mind write down what you intend to say before you call and ask for all agreements in writing. Do not agree to anything over the phone without seeing some documentation.
Always find out who you are talking to when you call and write down the date and time of your call. This will help avoid situations where an adjuster you have been working with mysteriously disappears and no one can recall what you arrangements they made or see that you ever spoke to anyone at all. Also, document everything they say to you. Do not simply trust your memory or their honesty in recording events.
Remember that any insurance claim adjuster you speak to is doing everything in their power to either avoid paying you anything at all, or pay you as little as possible. These people are experienced with personal injury law and will do everything that they can to prevent you from getting the claim you deserve. Be suspicious at all times especially if they are attempting to be your friend.
When speaking to an insurance adjuster about your personal injury claim in Minnesota they might attempt to twist your words. It is not uncommon for adjusters to take things that you might have said casually and relate them to your legal situation. Only discuss your case and do not attempt to make any casual conversation or respond to it.
For more information about your specific case, contact a Minnesota Personal Injury Lawyer.