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Why won't the insurance company pay my self-employed lost wages from my car accident?

Posted by Richard E. Clark | May 28, 2011 | 0 Comments

A. The calls we get from the self-employed client are always the same. The insurance company has called and talk to the injured party. The person that becomes our clients have told us, the insurance company tells them they're self-employed and it's difficult to prove lost wages and they will pay a fractional amount, usually 15%, or nothing. We pay for all types of insurance our entire lives, then in the rare case we need it, the insurance companies try to screw us.

Insurance companies are in the business of making money by paying you as little as possible. It's not their goal to pay you what you deserve. The self-employed have a little more work to determine what their lost wages are. It's not as concrete as a W-2 to list your income, or a pay stub. It's an area that that is open for argument. Be cautious when dealing with your initial talk with the insurance company. Your statements given to insurance companies will be spun to be used against you. Don't allow them to record your conversations.

Recent New Hampshire case law has stated New Hampshire law “does not require that damages be calculated with mathematical certainty, the method used to compute damages need not be more than approximation”. Cabone v. Tierney, 151 N.H. 521 (2004).

The Law Office of Richard E. Clark, LLC aggressively represenst personal injury clients throughout New Hampshire and Massachusetts. Attorney Clark will fight to get what you deserve. For a free consultation, call Attorney Clark at (603) 431-0009.

About the Author

Richard E. Clark

Attorney in Portsmouth, Dover, NH and Newburyport, MA Attorney Richard E. Clark is one of the seacoast's most successful attorneys. He has effectively litigated injury cases and civil suits achieving multi-million dollar results. Richard is friendly, detailed and has no reservations arguing in Court, when it's in the spirit of justice. Attorney Clark is a NH seacoast native. After his father retired from the U.S. Army, they returned to their ancestral Rye Beach property. His grandmother of the Sawyer/Jenness family settled Rye Beach, NH and Haverhill, MA. Prior to practicing law, Richard owned several contracting companies for almost two decades. After graduating from Portsmouth High School in 1991, he persevered through a ten-year educational pursuit to complete his law degree, NH and MA licensure, while managing his businesses. Richard's reputation is known in the seacoast area as friendly, driven, aggressive and detail-oriented. Richard has always possessed a passion for work. He is continually strategizing about how to best resolve his client's dilemmas while achieving the best outcome. Attorney Clark was a private criminal contract defense attorney appointed to the Newburyport District Court from 2007-2011. He achieved the Commonwealth of Massachusetts certification in 2008. Attorney Clark is a member of the National College for DUI Defense, New Hampshire Association of Justice, Essex County Bar Advocates Criminal Defense, Rockingham County Bar Association, and the New Hampshire Bar Association. Mr. Clark is a graduate of the Massachusetts School of Law (2002) and Franklin Pierce College (1998). He is admitted to practice law throughout New Hampshire and Massachusetts, the United States District Court of NH, and the United States Court of Appeals for the Armed Forces.

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Aenean lacinia bibendum nulla sed consectetur. Donec sed odio dui. Maecenas sed diam eget risus varius blandit sit amet non magna. Nulla vitae elit libero, a pharetra augue. Curabitur blandit tempus porttitor. Morbi leo risus, porta ac consectetur ac, vestibulum at eros. Cras justo odio, dapibus ac facilisis in, egestas.