If you are seriously injured in an automobile accident, the last thing you want to do is fight with your insurance company over who is going to foot the bill. Unfortunately, you’ll probably end up fighting with the insurance company over who is going to foot the bill. This article will help you avoid common mistakes drivers make on their claims to help you get paid in a timely fashion.
The most common problem is that you are not covered for the accident in question. Many drivers carry only the liability coverage mandated by law, which pays if you hurt somebody else but does nothing to repair your own vehicle. You need to add “collision” and “comprehensive” coverage to your policy if you want the insurance company to fix your car too. You may also need “Uninsured/Underinsured” protection if you are hurt by somebody who lacks the insurance to cover the bill.
Some people may think that they have the right coverage when they actually don’t. Schedule regular meeting with your insurance agent to make sure that you know exactly what you are covered for at all times.
Auto insurers can also drop coverage after one missed payment, so make sure you are always up to date with them.
If you live in a state where an auto insurer needs to figure out who was at fault, make sure you file a police report about the accident. All insurance companies trust police reports as an unbiased accounting of what happened, and it can be virtually impossible to prove fault without one. You should also seek medical attention for your injuries right away to show that your wounds were the result of the accident.
There are also several weird things that can impact whether you have a valid claim. If you were under the influence of alcohol or another drug at the time of the accident, your insurance company doesn’t need to pay a cent. There are many reasons to avoid a DUI, so add this to the list.
Likewise, the insurance company is off the hook if the driver at the time of the crash was not listed as an “insured driver” in your policy. Make sure that all of your household’s drivers are included in that list, just in case.
Finally, the insurance company does not need to pay if you file a fraudulent claim. Doing so is also a felony, so don’t look to your auto insurer if you want to make a quick buck.
All of that said, sometimes auto insurers don’t pay a valid claim so that they can keep more money in their pocket. If you feel that you are in that situation, The Kindley Firm, APC, holds insurers accountable for what they are supposed to pay. Contact them today to discuss the specifics of your case.