Most of us pay hundreds of dollars a year to have car insurance. For years, we may never file a claim. When you are involved in an accident, you car insurance company should pay for the damages according to your policy. Car insurance companies are happy to take your money, but they are not so free at paying it out when you file a claim. In some cases, your insurance company may not even think your claim is real. If your car insurance company denies your claim, you should consider talking to an attorney to make sure they pay you the compensation you are owed.
How to Convince the Insurance Company That Your Claim is Real
You shouldn't have to convince the insurance company that your claim is real. However, if they don't believe you, you may have to jump through hoops to show them that your claim is what you say it is.
There are a number of reasons why an insurance company may deny your claim. They may try and claim that you were responsible for the accident. They may blame the accident on your driving or on the condition of your vehicle. The problem is that most people don't fight back against the car insurance company, and just accept that their claim got denied. In the case of a serious accident, this could leave the driver on the hook for a wrecked car, chronic pain, and thousands of dollars in medical bills.
If the car insurance company denies your claim based on the condition of your car, you may have to gather up all the evidence you can, and submit it to the insurance company. You may have to take videos and photos of your vehicle to show that the tires were in good condition. You may have to gather up old car repair bills to show that the brakes were recently replaced.
If the insurance company blames your driving for the accident, it may be harder for you to convince them that they are wrong. There may be no “evidence” that you were driving safely at the time. You may be able to cite to the accident report for indications that you were not responsible for the accident. You may have to explain all over again what happened, and that you were driving safely at the time. In some cases, it may help to provide a witness statement that supports your claim, although the insurance company may still try and blame the accident on you.
When the Insurance Company Doesn't Believe You're Injured
One of the most frustrating things a driver can experience after a serious injury accident is that the insurance company does not believe that the driver was really injured. For a driver who is suffering aches and pains and limited mobility, having the insurance company say they don't believe the pain is that bad is insulting.
You know your body better than anyone. If you suffered an injury, and your doctor is treating you for that injury, the insurance company should pay for your claim. Instead, they may make you visit their doctor for an “independent” medical evaluation. However, their doctor may not be as independent as the name suggests. After all, the insurance company is paying the doctor for their evaluation. It may not be surprising that the independent evaluation finds that your injuries are not as severe as you claim.
At this point, most people just throw up their hands in frustration. They will accept any settlement the insurance company offers them. However, there are a couple of things you can do to convince the insurance company that your claim is real. You may try and get another doctor to evaluate your injuries, and try and convince them that the independent medical evaluation underestimated your injuries. In most cases, the insurance company will stick with their original position. At this point, you may want to consider hiring an attorney.
Hiring a Maryland Attorney to Fight the Insurance Company
When the car insurance company doesn't believe your claim, the best thing you can do may be to hire an attorney. As soon as you get an experienced personal injury attorney on your side, the insurance company will begin to get much more serious about your claim. Their settlement offer may suddenly increase greatly over what they offered you before you hired an attorney. However, it is important to make sure you are fully compensated for your injuries.
Your attorney will be able to get medical experts to evaluate your injuries, and provide an expert report that supports your claim. They may also be able to get an expert to evaluate the accident, showing why you are not at fault for the accident. If the car insurance company still doesn't believe your claim, you can take your case to court. It doesn't matter if the insurance company believes you, you only have to convince a jury. The jury can then force the insurance company to pay you the damages you are owed.
At Gilman & Bedigian, we will make sure you get the compensation you deserve. The insurance company may fight you on your claim, knowing that they have the upper hand. However, once you get your attorneys involved, they will fight to make sure your claim is taken seriously. If you were injured in a car accident, please do not hesitate to call our office today for a free consultation.