Dispute a Car Accident Insurance Claim

Unfortunately, car accidents are one of the leading causes of death and injury in the United States today. Based on data from the Federal Highway Administration, it is estimated that there are more than 10.2 million auto collisions each year with as many as 39,000 fatalities. (Source in Resource Box)

Victims of car accidents can sometimes face years of long-term physical therapy as well as massive loss of wages due to injuries. Many times there is a significant cash outlay for vehicle damage repairs or replacement. When a death is involved, the psychological pain and suffering is increased substantially.

Consumers come to expect that the car insurance that they have been paying with faith for many years is going to reimburse them appropriately for the cost of damages and injuries when they are involved in a car accident. However, in some situations, victims may find that insurance companies deny their car accident claims or provide inadequate compensation for damages. In this case, an individual may seek the consult of an experienced car accident attorney or insurance claim dispute lawyer to help them win compensation from the insurance company.

The recommended steps to take to dispute a car accident insurance claim include:

• Never admit fault: Even if you believe the car accident may have been your fault, be sure to speak to a lawyer before admitting any fault to the other party involved or to any insurance company.

• Find representation: Speak to a lawyer who has experienced with auto accident claims and who has a solid reputation for defending car accident victims. They will be able to assess your situation and advise if filing a lawsuit against the insurance company will be in your favor.

• Hire an independent appraiser to assess your car damage: Often insurance companies will send their own representative to assess the auto damage which may lead to compensation amounts being skewed in the favor of the insurance company. If you hire an impartial assessor, you will be able to provide information to contradict the insurance company claim.

• Keep track of everything: This includes any and all medical expenses, loss of wages, psychological or physical therapy treatments and any other personal injury or damage claims that you may be seeking compensation for. Make copies of all receipts and keep track of all dates of any medical treatment.

• File a lawsuit: If all attempts to dispute the claim fail, your attorney will file paperwork for an official lawsuit against the insurance company. The lawsuit may still have a chance to be settled out of court with mediation or plea, or if all else fails, the dispute will go to court for settlement.

Although lawsuits may not be appropriate in all cases, there may be times when a victim feels they are being treated unfairly by an insurance company and the only recourse is a lawsuit. Following the steps above and seeking the advice of an experienced car accident lawsuit attorney will give auto accident victims the best chance of winning their claims against the insurance company.