Even though most people do not know what ISO is, what it does, or what information it holds, it is the most important database when you have an insurance claim. ISO stands for Insurance Services Office, Inc. It is a repository of insurance claims and tracks the date, claim number, and insurance company of any injury claim made by an individual. ISO maintains information on automobile and other property claims.
Insurance companies rely on ISO information when assessing personal injury claims. ISO information is not available to private citizens, but only insurance companies and their agents. This is why it is essential to rely on a trusted personal injury lawyer in Los Angeles to help guide you through the tactics an insurance company will use to undermine your claim.
Filing a personal injury claim with an insurance company seems like it would be straightforward. You call the insurance carrier, describe the injury, they ask a few questions, and you would think they would take care everything. However, it is rarely that simple. Insurance companies are, at the most basic level, businesses that are designed to operate for profit; they will do what they can to pay you as little as possible. This is why having a personal injury lawyer is crucial when filing a claim.
Insurance companies will do an ISO search to determine if you have reported any previous injuries in the past. Even a minor claim under your name can have an effect on your case. That is why it is important for you to tell your attorney about any previous accident or injury, so your attorney can prepare for the insurance company’s argument that your injury preexisted the accident. The insurance company will know about your prior claims, so withholding this information from your lawyer will only hurt your case.
It is important to consult with a professional before filing a claim with an insurance company. By disclosing any personal injury claim that you have ever made, your lawyer will be able to negotiate your current claim without surprises from the ISO search.
For further information or to schedule an appointment with one of our highly experienced and prominent personal injury lawyers, please contact us at (888) 888-9285 or visit www.WestCoastTrialLawyers.com.