New Jersey Prudential Insurance Car Accident Claim Attorney

Filing a Claim With Prudential Insurance After an Auto Accident

Prudential Financial is the largest insurance company in the United States. Founded in 1875 in Newark, New Jersey, Prudential originally only sold burial insurance. Over the years, the company expanded its products to include all types of insurance. 

While Prudential is one of the largest insurance companies—and one of the most profitable—it did not get that way by paying every accident victim the compensation they need. Prudential is like any other insurance company; in that, it exists to make a profit. Not surprisingly, Prudential insurance adjusters view claims in terms of how they can settle them for as little as possible. 

If you have been in a New Jersey car accident and have Prudential insurance, reach out to the dedicated accident lawyers at the Todd J. Leonard Law Firm. We work with injury victims to help them obtain the compensation they deserve after suffering serious, potentially life-changing, injuries. 

Filing a Claim With Prudential 

If you are involved in an accident and have Prudential, you must file a claim with the insurance company. From there, Prudential will assign your claim to an insurance adjuster. Within a few weeks, the insurance adjuster will call you, asking about the accident and the seriousness of your injuries. It is important to be truthful and not exaggerate your injuries, as the insurance company will obtain copies of the accident report.

Once the adjuster gathers all the information they need, they will either approve or deny your claim. If your claim is approved, the adjuster will make a settlement offer. This is essentially an agreement between you and Prudential, under which they will pay you a lump sum of money in exchange for your agreement to no longer pursue the claim. Thus, once you accept a settlement offer, that is the end of your claim. That being the case, it is crucial to ensure that any settlement offer you accept fully compensates you for your injuries.  

Damages Available Through a Car Accident Claim

When it comes to damages in a New Jersey car accident, some are obvious, like medical bills you incurred as a result of the accident and any wages you could not earn due to your injuries. Other examples of damages you may be able to recover include:

• Medical expenses
• Future medical costs
• Lost wages and benefits
• Decreased earning potential 
• Pain and suffering
• Emotional distress
• Disability
• Disfigurement
• Property damage
• Loss of consortium

However, do not expect an insurance adjuster to inform you of these damages. Instead, an insurance adjuster will focus solely on your medical expenses and property damage. They will not tell you the full extent of what you may be entitled to because they want to pay you as little as possible. 

Why You Should Hire a Personal Injury Lawyer

Bringing a Prudential insurance claim is not always a straightforward affair. One of the benefits of hiring a personal injury attorney is that they will handle all the heavy lifting when preparing your claim, gathering all documentation and negotiating with the insurance company. Studies show that those accident victims who retain an experienced personal injury attorney are more likely to recover compensation for their injuries and end up recovering more damages for their injuries. 

Reach Out to the Todd J. Leonard Law Firm for Assistance With Your Car Accident Claim

If you have been hurt in a New Jersey car accident, give the dedicated, knowledgeable attorneys at the Todd J. Leonard Law Firm a call. We are here to help you through every step of the process and ensure that everything is done to get you the compensation you deserve. We have been aggressively representing injury victims in car accident claims for more than 30 years and have helped thousands of individuals—and their families—move on with their lives after a serious accident. 

To learn more about how we can help you pursue a Prudential insurance claim, give us a call at (973) 920-7900 to request a free and confidential consultation. There is no risk in calling because we never charge a fee unless we can help you recover compensation for your injuries. We have offices conveniently located in Denville and Morristown.