Ciconte Wasserman represents injured people in Delaware and Pennsylvania when an insurance company disputes fault, downplays an injury or offers too little. As a Delaware personal injury lawyer, the Wilmington firm takes over contact with the insurer, builds the evidence and charges no fee unless the firm wins the case.
Key points
Insurers often argue that the accident was minor, the injury was preexisting or treatment started too late.
You generally have no obligation to give the other driver's insurer a statement.
A case is usually not ready to settle until treatment is done or close to done.
When the at-fault driver had little or no insurance, your own UM or UIM coverage may apply.
The firm can step in at any stage, including after you started the claim alone.
What insurers argue
Insurers do not always accept a claim just because someone was hurt.
What the insurer argues |
What the firm looks at |
|---|---|
The available insurance is limited |
Every policy that may apply, including your own |
The accident was minor |
The evidence, the medical records and how the injury has affected daily life |
The injury was preexisting |
Whether the accident made the condition worse or caused new symptoms |
Treatment started too late |
When symptoms appeared and when they were documented |
You were partly at fault |
Recovery is possible unless you were more than 50% responsible, reduced by your share |
Which of these arguments carry weight in a given case is what a review of whether there is a claim sorts out. The stakes rise with a serious injury from someone's negligence, where future care and permanent limitations are part of the claim.
Statements, offers and timing
Adam Wasserman puts it directly: "The other driver's insurance company is not a neutral party." It wants to limit what it pays and gather statements it can use later. You must report a crash to your own insurer, but you generally have no obligation to speak with the other driver's.
Fast calls often bring low offers, made before the full extent of the injuries is known. Once a settlement is accepted, the claim is over. Wasserman's published estimate is that a car accident case can settle anywhere from six months to two years, depending mostly on the injuries, the length of treatment and how the insurance company behaves; a lawsuit adds time.
The firm's car accident lawyer in Wilmington takes over these calls, so the injured person does not have to field them.
When the driver had little or no insurance
If the at-fault driver has no insurance, uninsured motorist (UM) coverage on your own policy pays for pain, suffering and injuries up to the limits you bought. Underinsured motorist (UIM) coverage applies when the at-fault driver's insurance is not enough. In Delaware, UM is generally included unless specifically waived; in Pennsylvania, insurers must offer it, but drivers can reject it. UM and UIM claims go against your own insurer, which can still dispute fault, the injury or the value.
How Ciconte Wasserman deals with the insurance company
The firm handles the forms, calls and negotiation. It reviews the evidence, medical records and coverage, and sorts out which source pays the medical bills: PIP, other insurance or the settlement. Many of these disputes settle, and each claim is still prepared for court in case the insurer contests fault, damages or value.
Clients speak directly with their attorney, and every step is explained in plain English, as described in how the firm works through a claim. Its personal injury practice covers car, truck, fall, product and wrongful death claims.
Who this help is built for
This help is for people in Delaware and Pennsylvania who were hurt in an accident and now face an insurer that is delaying, disputing or underpaying. That includes people offered a settlement before finishing treatment, people asked for a recorded statement and people told their injury was preexisting. A first consultation about an injury costs nothing and carries no obligation.
Get help with an insurance dispute
Call 302-658-7101, email Info@cskdelaw.com or request a free review of the claim with the firm at 1300 N King St, Wilmington, DE 19801.
