You should never, ever talk to an insurance company's representative before first retaining an experienced car accident attorney that is local to Worcester. Insurance companies make money - a lot of money and they want to hold onto as much of it as possible in order to keep owners/stockholders happy. That means they want to offer accident victims as little as possible to settle their cases, and they're good at it too. By offering to write a check quickly, they entice accident victims to settle quickly - usually for far less than they deserve under the law. Way too often, people fall for it. A bird in the hand is worth two in the bush, right? Wrong. You've been a victim through no fault of your own and you deserve to have your life made as whole as possible and you should never give in for anything less.
An accident attorney like Robert W. Kovacs, Jr has the tools to dissect and analyze your particular case. No two car accidents are alike and there are always mitigating circumstance the insurance companies prefer you never find. It is your lawyer's mission to dig up every detail of your accident and hold the responsible parties accountable. Sometimes, it may turn out that there are more than one defendant. For instance, there could be a contributing factor in your accident that points in the direction of another defendant. It could be the City of Worcester, or the manufacturer of a failed piece of equipment somewhere - who knows? But, if you don't investigate, you'll never find out. Your attorney has resources like investigators and other professionals who can quantify all the factors of your accident into a financial settlement that makes sense - not just a number fashioned by the insurance company to make you go away.
Your entitled to your medical expenses, lost wages, recovery costs, lifelong prescription costs, property damage costs, mental anguish, pain and suffering and many other costs the insurance company hasn't factored into their offer. Let your attorney add all of these up and fight the insurance company to get what you deserve.