The problem: an inadequate compensation offer

After suffering a claim, whether it's a road accident or another damaging event, the path to obtaining compensation can be complex and frustrating. Often, the most critical moment coincides with receiving the offer from the insurance company, based on a technical assessment. If you feel that this assessment does not reflect the real extent of the damages suffered, whether physical or material, you are not alone. Many people face offers that minimize the damage, leaving them with a sense of injustice and unexpected costs to bear. Understanding how this mechanism works and how to protect your rights is the first step to obtaining fair compensation. In these situations, the support of an expert personal injury lawyer in Milan becomes essential to avoid passively accepting the opposing party's decisions.

The insurance assessment: a tool not to be passively accepted

The assessment is a technical evaluation drafted by a professional, the expert, appointed by the insurance company to quantify the amount of damages. Although the expert must operate objectively, it is undeniable that they act under the mandate of the party who will then settle the compensation. This can generate a potential conflict of interest, leading to underestimated valuations. The insurance assessment is not an unappealable judgment, but a settlement proposal. You have every right not to accept it if you consider it inadequate and to dispute it based on objective elements. Accepting an offer that is too low, by signing a full and final settlement, in most cases means precluding yourself from the possibility of requesting further sums in the future, even if unforeseen consequences of the damage should emerge later.

The Strategic Approach of Bianucci Law Firm

The approach of Lawyer Marco Bianucci, an expert personal injury lawyer in Milan, is based on rigorous analysis and a proactive strategy aimed at rebalancing the positions between the injured party and the insurance company. Our assistance is not limited to simple negotiation, but follows a structured path to maximize the outcome. The first step consists of carefully examining the company's assessment, identifying any potential critical issues, omissions, or underestimations. Subsequently, if necessary, we proceed with appointing a party-appointed expert, a technician or a forensic doctor of our trust, who will draft a detailed and independent counter-assessment. With this solid documentary basis, we initiate an out-of-court negotiation with the insurance company, aimed at obtaining a fair agreement. Should dialogue not lead to the desired outcome, we are ready to take legal action to assert your rights in court.

Frequently Asked Questions

What should I do if the insurance compensation offer is too low?

It is crucial not to accept or sign any release form. The first action to take is to contact a lawyer experienced in personal injury claims for a professional evaluation of the offer. The lawyer will analyze the assessment, the documentation related to the claim, and advise you on the best strategy, which often includes requesting a party-appointed expert assessment to correctly quantify all damages suffered, including non-pecuniary damages.

Am I obliged to accept the insurance expert's assessment?

Absolutely not. The company's assessment is a partial act and represents the insurance company's point of view. You have every right to dispute it and to present a different evaluation, drafted by your trusted technical consultant. This counter-assessment becomes the main tool on which to base the request for fairer compensation.

How much time do I have to dispute an assessment or a compensation offer?

The terms are dictated by the statute of limitations for the right to compensation. For damages resulting from vehicle circulation, the term is two years from the day of the claim. For other types of non-contractual liability, it is generally five years. However, it is crucial to act promptly so as not to compromise the possibility of gathering effective evidence and to initiate negotiations from a position of strength.

What is the advantage of appointing a party-appointed expert?

The party-appointed expert works exclusively in your interest. Their task is to carry out an objective and complete evaluation of all damages, without the pressures or interests of the insurance company. Their technical report (counter-assessment) provides your lawyer with a solid and reasoned basis to dispute the company's offer and negotiate compensation that fully covers the prejudice suffered.

Protect Your Rights: Contact the Firm in Milan

If you have received a compensation offer that you deem inadequate or if the settlement process with your insurance company is proving complex, you do not have to face this challenge alone. Timely and strategic action is essential to ensure that you are recognized the fair value for the damage suffered. Lawyer Marco Bianucci offers his consolidated experience in the field of personal injury claims to analyze your specific case and assist you at every stage of the dispute. Contact Bianucci Law Firm in Milan for a professional evaluation of your situation and to define the most effective path for protecting your rights.