A car accident case always involves more than one insurance company. That is your own insurance company that will be involved in your claim process, and the at-fault driver’s insurance company that you will file a claim against. Car insurance is necessary since it covers your expenses in the event of injuries or damages caused by accident. They can also provide financial support in such cases as theft or fire. Though car insurance is expensive depending on the type of your car, it’s almost mandatory to have one in the United States. The law requires a driver to always have an active car insurance policy because of any liability. The most common liability is that of property damage and bodily injuries. When an accident happens, how should you deal with an insurance company? How do you deal with the legal case ahead of you?
Why Will Insurance Company Deny My Claim?
In case of an accident, most of the states, especially the no-fault states, require the driver to file a personal injury claim with their insurance company. They also have higher levels of coverage, and this raises the cost of insurance. In Alaska, good drivers always enjoy cheap insurance compared to the at-fault drivers; those with speeding tickets of having DUI histories. They get discounts from their insurance companies. In case of an accident, the insurance company always has the upper hand; after all, their main work is to ensure you receive low compensation as possible. But there is a way you can empower yourself to get the best settlement with your insurance company.
- Get a recommended auto accident lawyer in Alaska: A good lawyer can be able to speak with the insurance company on your behalf. It’s only expected that you talk with your insurance company to notify them of your accident. While this is the recommended way to get a fair settlement, your attorney may give you advice on how to deal with your insurer. Your lawyer is the one competent to defend you especially where there is risk of the insurance company denying your claims.
- Know the cost of repair: A claim adjuster will be right on time to determine the cost of repairing your car. He/she then makes an offer to settle your claim. Note that you claim may be denied for many reasons; if you feel your claim was unlawfully rejected, look for an experienced car accident lawyer to assist you in filing a claim dispute.
- The extent of coverage: Every policy has limits, and when it comes for the insurance company to pay for your claims, they have no other option when your claim surpasses your coverage limits. The type of coverage you have selected determines the amount to be paid by your insurance company.
- You violated the law: Every state requires that you drive your car responsibly. If you violate the state laws, this could lead to your claim being denied. For instance, if at the time of the accident, you were caught driving under the influence or was driving with an expired license.
- Failure to provide accurate evidence: If not sure on the information to provide to your insurance company, a car accident lawyer can assist you. Sometimes the insurer may have doubts about your claims. For instance, if you failed to get medical attention immediately after the accident, your insurer may be tempted to think you filed a suit for injuries that were not suffered during your accident. Or, you had misrepresented information in your quote.
How Will I Solve The Claim Dispute?
While your premiums entitle you to get coverage for the losses you suffered after the accident, your claims may not amount to full benefits. For small claims, your insurance company may be willing to settle without much bother and negotiations are likely to resolve any dispute. But for high claims payouts, you may have some problems with your insurance company. You have a right to express your dissatisfaction regarding your claims. You may disagree over the cost or repair of your car. An experienced lawyer can have many resources that will help you understand the different processes required to go over these disputes. You must have skills to represent yourself or else you will not recover damages. Winning with self-representation may be next to impossible since not many individuals are aware of how insurance companies operate. Your lawyer may advise you to turn to litigation or arbitration. Both of them can be an excellent way to settle a dispute. But arbitration favors the insurance company. If you have an experienced lawyer, litigation can be the best way to get a fair settlement. You will have leverage in your negotiations. Insurance companies have expert lawyers; you should also look for one to protect your interests.