Insurance policies from providers like The Hartford are designed to protect policyholders from the financial burdens of accidents and injuries. While these policies can provide much-needed support, disputes often arise when the compensation offered by the insurer falls short of what victims need to cover their damages. If you find yourself in this situation, working with knowledgeable personal injury attorneys in Los Angeles can help you secure the fair compensation you’re entitled to.
This guide provides an overview of The Hartford’s claims process, what to expect, and how the experienced team at Krolikowski Law Firm can help you navigate mediation, arbitration, or trial.
About The Hartford
Founded in 1810, The Hartford is a well-established insurance company providing a wide range of coverage options, including auto, homeowners, and business insurance. While The Hartford has earned a solid reputation in the industry, there are instances where policyholders feel their claims are undervalued or denied.
Understanding how The Hartford handles claims and how to counter potential obstacles can significantly impact the outcome of your case.
The Claims Process: Step-by-Step
- Filing a Claim
After an accident, policyholders must report the incident to The Hartford promptly. This includes submitting necessary documentation such as police reports, medical records, and repair estimates to support your claim. - Investigation and Initial Offer
The Hartford will review your claim and may provide an initial settlement offer. However, this offer is often lower than what is needed to cover all your expenses, such as medical bills, lost wages, and other damages. - Negotiation
If the initial offer does not cover your losses, you have the right to negotiate. Partnering with a personal injury law attorney is crucial during this stage, as they can present evidence and build a strong case for fair compensation. - Mediation and Arbitration
When negotiations stall, mediation or arbitration may be pursued. Mediation involves discussions facilitated by a neutral third party, while arbitration is a formal process where an arbitrator decides on the claim. Both options aim to resolve disputes without going to court. - Trial
If a settlement cannot be reached, litigation becomes necessary. A skilled attorney will represent you in court, presenting evidence to show why The Hartford should pay the full value of your claim.
Why The Hartford May Deny or Reduce Claims
Insurance companies like The Hartford often prioritize minimizing payouts. Common reasons claims are reduced or denied include:
- Allegations of policy violations.
- Disputes over fault in the incident.
- Claims that medical treatments were excessive or unrelated to the accident.
- Lowballing the estimated value of damages.
Navigating these tactics requires the guidance of seasoned personal injury attorneys in Los Angeles who are familiar with The Hartford’s claims handling strategies.
Accidents and Injuries Commonly Covered by The Hartford
The Hartford offers policies for a variety of incidents, including:
- Car accidents
- Truck accidents
- Slip and fall injuries
- Bicycle and pedestrian accidents
- Dog bites
Victims often suffer from significant injuries such as spinal cord damage, traumatic brain injuries, broken bones, and internal injuries. In addition to medical costs, victims may face lost wages and emotional distress, making full compensation vital for recovery.
The Role of Evidence and Proving Fault
Proving fault is central to any personal injury claim. Gathering evidence such as police reports, photos, eyewitness statements, and medical records strengthens your case. California’s statute of limitations for personal injury cases is two years, so it’s important to act quickly to preserve your legal rights.
How Krolikowski Law Firm Can Help
At Krolikowski Law Firm, our experienced personal injury attorneys in Los Angeles have experience in helping clients navigate claims against The Hartford. From filing your claim and negotiating for a fair settlement to representing you in mediation, arbitration, or trial, we are here to protect your rights and fight for the compensation you need.
Contact Us Today
If you’ve been injured in an accident and are facing challenges with your claim against The Hartford, reach out to Krolikowski Law Firm for a free consultation. Let our dedicated team guide you through the process and work toward achieving the best possible outcome for your case.