Key Insurance

Navigating Key Insurance Claims: Essential Tips for Las Vegas Drivers

Few things rattle the nerves quite like a car accident in Las Vegas, NV. The situation becomes even more tangled when you or a loved one suffers injuries or property damage in the crash. Insurance companies, such as Key Insurance, are adept at playing the game to keep their payouts low and their profits high. They employ all sorts of tricks, from endless delays to outright stonewalling, hoping to nudge you into accepting a meager settlement.
To navigate this maze and secure the maximum compensation for your injuries or damages, partnering with a savvy attorney experienced in taking on Key Insurance, like Kaplan Young, is your best bet.
About Key Insurance Company:    
Key Insurance is a regional insurance company servicing Kansas, Oklahoma, and Nevada. Established in 2007, they are a Med James, Inc. subsidiary, a managing general agency, and a wholesaler that has served policyholders since 1991. While Key Insurance might be smaller than other insurance companies, it makes every effort to save as much money as possible on car accident claims.
If you’ve experienced a car accident in Las Vegas and are struggling to receive fair compensation from Key Insurance, it is essential to seek the assistance of a skilled personal injury attorney such as Kaplan Young. Engaging a lawyer specializing in car accident cases can significantly influence the success of your claim.
How to File a Car Accident Claim with Key Insurance:    

Like most insurance companies, you can file a claim with Key Insurance online or by phone at 913-663-3636. This initial call will gather basic information about the car accident. It’s best to prepare this information beforehand to eliminate confusion. The items you should have ready are:

  • Date, time, and place of the accident
  • Names of the drivers involved
  • Vehicles involved in the accident
  • Details of any resulting damage
  • Police report of the incident
  • Photographs or videos of the scene
Within 7-10 days, you should be contacted by a claims adjuster who will officially begin investigating your claim. Insurance companies employ claims adjusters to determine your claim’s value and save the company money. They will gather as much information as possible regarding the accident, damages, and injuries to determine the value of your claim. At this point, they will likely ask for a recorded or written statement. 
Your statement will be one of the most crucial factors in determining fault and compensation. Claims adjusters will look for any inconsistencies, misinterpretations, or unintentional admissions that could be used to reduce your compensation. We recommend working with an experienced lawyer, such as Kaplan Young, to prepare and submit your statement, safeguarding your rights.
How Much is My Claim Worth?

Each car accident claim is different, and compensation will depend heavily on the specifics—generally, the more serious the injury or damage, the higher the payout. A few factors that could impact the amount of money you are offered include

  • The severity of your injuries
  • How the accident happened and who was at fault
  • Required medical procedures
  • The availability of insurance to cover your losses
  • Ongoing pain and suffering
Another thing to consider is how the car accident has affected your life. In personal injury claims, you can seek “non-economic damages.” These damages address the intangible harm a victim might endure, which doesn’t have a straightforward monetary value. Examples include loss of enjoyment of life, pain and suffering, emotional distress, and damage to reputation. Although these impacts don’t have a direct dollar amount, they significantly affect the victim’s daily life. Including non-economic damages in your claim can enhance the value of your case.
How Can Kaplan Young Law Firm Help Me with Key Insurance?
If you’ve received a low offer or denial, we recommend working with a personal injury attorney, like Kaplan Young Law Firm. An attorney can take many things off your plate, like writing and submitting your statement or attending court. Additionally, claims adjusters cannot use the same tactics on a lawyer as on insureds. So when claims adjusters see a lawyer enter the claims process, they usually increase their offer immediately. Research shows that hiring a car accident lawyer is one of the most impactful steps. Martindale-Nolo Research found that “more than nine out of ten readers who had legal representation received a settlement or award, compared to about half of those who handled their own injury claims.
If you’ve been injured in a car accident in Las Vegas and are negotiating with Key Insurance, our team is here to help you maximize your payout. Contact Kaplan Young Law Firm at 702-381-8888 to arrange a free consultation with one of our dedicated personal injury attorneys.