Common defenses include misuse of the product in an unforeseeable way, assuming known risks (“assumption of risk”), and that the statute of limitations has expired. They may argue you altered or modified the product after purchase, causing the danger. Another defense is that you were not the intended user. Companies also use state-of-the-art defense, arguing the danger was not scientifically knowable when made. Your attorney must anticipate these arguments to build a strong, rebuttal-ready case from the start.

The insurer will open a claim file and assign a claims adjuster to you. This professional will guide you through the process, investigate the incident, and handle all communication with the claimant or their lawyer. They will determine if your policy provides coverage and work to resolve the claim, which may involve negotiating a settlement or arranging for your legal defense if a lawsuit is filed. Your ongoing cooperation is essential.

You need a lawyer when facing a complex situation where significant money, your rights, or your future are at stake. This includes severe injuries, disputed fault, or dealing with a large corporation or insurance company. If the other party has a lawyer, you absolutely need one. Lawyers navigate legal procedures, evidence rules, and negotiation tactics that are nearly impossible to handle alone. They objectively assess your claim’s true value and fight to protect you from being pressured into an unfair settlement.