The Hartford Insurance
The Hartford Insurance company was founded over 200 years ago in Connecticut. Traditionally, it has handled mostly commercial policies, although it has had a stronger push for personal policies in recent years. They provide personal auto insurance policies in 41 states and handle all types of insurance policies including vehicle, property, commercial, and workers’ compensation. They also offer classic car insurance. The Hartford partners with AARP in Texas to provide insurance for those over age 50 at discounted rates.
How to File a Claim with The Hartford
To file an auto claim with The Hartford, call 1-800-243-5860 or for AARP Hartford members, call 1-877-805-9918. They will assign a claims adjuster to your case. Your adjuster will contact you to discuss your accident. Be aware that most conversations with insurance adjusters are recorded. Therefore, be very careful when discussing your accident over the phone. Anything you say could be used later to support the insurance company’s position.
For example, the adjuster may ask you about your injury. If you downplay the pain that you suffered or make it sound like it was no big deal, you could end up having a difficult time proving that you are owed money for pain that the injury caused. It is usually best to talk to an experienced auto accident attorney before you speak with the insurance company.
What to Expect After Filing a Claim
After you file a claim with The Hartford you can expect to talk to an adjuster rather quickly. However, some customers report less than adequate settlement offers. Although The Hartford is a large company, they often offer settlements that are less than what is considered fair. The company seems to try to get away with paying as little out as possible on policies, as do most insurance companies.
Unfortunately, that is true even when you have proof of your injuries and medical treatment and when the accident was clearly the fault of the Hartford’s insured. Some people have reported that their claim was greatly reduced, even though they submitted proper medical records indicating treatment and billing. If you are offered a settlement that does not seem fair, do not accept it and do not cash the check.
Like many other insurance companies, The Hartford prefers not to have to go to court over disputed claims. While they may be stubborn and difficult at first, once a lawsuit is filed, they might be more prone to negotiation.
Negotiating a Fair Settlement with The Hartford
Sometimes the threat of a lawsuit can make adjusters from The Hartford more flexible with their settlement payouts. A letter from a Houston car accident attorney might bring some attention to your situation and they may be willing to resolve your case without further legal action. It is more likely that the company will negotiate a settlement once your attorney becomes involved.
The best thing to do may be to get your attorney involved from the start of the claim. This can speed up the process and cut through some of the wasted time spent receiving low offers. We have helped thousands of people with their claims and we can help you get the compensation you deserve. Contact Michael P. Fleming & Associates, P.C. today for a free consultation 713-221-6800.