Many people—the same ones who faithfully pay their insurance premiums on time every single month—are shocked and surprised to find that when a car accident occurs, that same insurance company may be nothing at all like their friendly portrayal on television. After all, we are inundated with insurance commercials which tell us over and over they will “be there” for us in a crisis. In reality, many insurance companies make it as difficult as possible for the claimant, delaying payment and attempting to pay as little as possible. Insurance companies may also dispute the level of injury you suffered, may ask to see your medical records, even from before the accident, and can ask you to give a recorded statement (which you are not obligated to do, and should not do without speaking to an attorney).
Further, your insurance company will not assist you with your claim because doing so is not in their best interests. Like many things in life, the bottom line is money, and your insurance company will protect their own financial interests before yours every time. If an uninsured or underinsured driver hit you, you may be filing on your own insurance, under your uninsured/underinsured motorist protection benefits, and may find your insurance company even more recalcitrant. The bottom line is that you should not expect your insurance company to be your friend, or to look out for your interests or even to be on your side after an auto accident. What you can count on, is a knowledgeable Tennessee personal injury attorney to fight for your rights and for your future.
Travelers Insurance is an American insurance company, founded in 1864 by a stonecutter named James Batterson. With a history of mergers, acquisitions and spin-offs, Travelers remains a major contender in the insurance business. In 1865, Travelers began selling life insurance, making it the first company in the United States to offer more than one type of insurance. The founder, James Batterson, died in 1901, and by that time, Travelers had expanded to offer health insurance, auto insurance and liability insurance. By 1919, Travelers became the first company to sell aviation insurance, even underwriting the Manhattan Project during World War II.
The red umbrella logo Travelers now sports did not come into being until 1960, and is meant to symbolize the protection offered by the company. After suffering a series of unfortunate real estate losses, Travelers was acquired by Primerica in 1993, who then renamed itself Travelers Group, later buying the casualty and property insurance businesses of the Aetna Life and Casualty Company. Travelers Group then merged with Citicorp in 1998, forming Citigroup, then “spun off” a property and casualty insurance business known once again as Travelers—Travelers Property Casualty Corporation.
The customer satisfaction ratings of Travelers Insurance are average or above, and has fewer customer complaints than other companies of a similar size. In rankings of the best car insurance companies, Travelers rated 14th, and is the sixth-largest homeowner’s insurance provider by market share. Travelers offers such auto insurance options as gap insurance which protects your auto lease or loan, ridesharing insurance for those who drive for companies like Uber or Lyft, and a program known as IntelliDrive which tracks your mileage and offers a discount as high as 30 percent for those who drive less than 13,000 miles per year.
Causes of Auto Accidents
Auto accidents can be extremely traumatic for those involved, and can be caused by a variety of factors. Some of the most common causes of auto accidents include the following:
How Martinson & Beason Can Help After Your Auto Accident
Whatever the cause of your auto accident, it is important that you contact an experienced Tennessee car accident attorney from Martinson & Beason as soon as possible. You only have a relatively narrow window of time—known as the statute of limitations—in which to file a claim for your accident, and if you are filing under your own insurance for uninsured or underinsured, it can be even more difficult to secure an equitable settlement for your injuries. The Martinson & Beason attorneys will ensure you are treated fairly following your accident, and that you receive the medical treatment you need. We truly do care about your future, and will work hard on your behalf to make that future one in which you are not injured and buried under a pile of medical expenses. We will take care of the details of your auto accident while you allow yourself the time to heal from your injuries. To speak to a top-rated personal injury attorney, call Martinson & Beason today.