Insurance companies make money by taking peoples’ payments and not paying out claims. For this reason, unscrupulous insurance companies do their best to deny claims. It shouldn’t surprise you if your insurance claim is denied after a car accident, but that doesn’t mean you don’t have recourse. Here is what to do if your claim is turned down.
Use the Other Company
If you are in a multi-vehicle accident and your own insurance company is refusing to pay, try filing a claim with the other driver’s insurance company. If there was another driver at fault for the accident, it is actually their insurance company who is required to pay up. Police reports can be used for evidence in proving fault.
Legal Claims
When you have exhausted all avenues with insurance companies and don’t seem to be getting anywhere, you are well within your rights to file a lawsuit. If your accident wasn’t serious and your damages not high, small claims court is your best option. You may also be given the choice to attend mediation instead of appearing at a jury trial.
If your damages were more severe, you have the option of appearing before a judge or jury in civil court. You may be able to sue the other driver and their insurance company. An attorney can help you determine your best options after reviewing your case.
Car accident claims can be complicated. Filing a claim is certainly something that can be done on your own, but you may choose to hire an attorney to assist you. A legal representative can make sure that your paperwork is filled out correctly and filed in a timely manner.
If you have been involved in an auto accident in North Carolina, you need an experienced attorney on your side as you seek to recover your damages. Call our team today and let us review the details of your case at no charge to you. We are here to help you and your family take the next steps in putting your lives back together. Call now or browse our website for more information about how we can assist you.