It is common knowledge that insurance companies look out for their own interests. After you have been involved in an accident, insurance companies look for any information that they can use against you to lower the settlement. An insurance adjuster can sound polite and friendly on the phone all in a bid to glean any details that they can use for their benefit. As their customer, you might drive peacefully knowing that you will be adequately covered in case of an accident.
A rude awakening can happen the day you get involved in a road accident. The bureaucracy and reluctance to process your claim might frustrate you especially when you need immediate funds to cover different bills. Hiring a personal injury lawyer can help you get the settlement you deserve.
That said, take a look at some of the road accidents that insurance companies make more difficult to address.
1.  Car Accident With Underinsured Drivers
An underinsured insurance policy is a requirement for motorists in most states. If you are involved in a car accident that you did not cause and the at-fault driver doesn’t have sufficient car insurance coverage to pay for all damages, an underinsured policy covers you. In some cases, insurance companies decline to settle underinsured claims. For instance, the insurance company might say that the time to pay your premiums lapsed and that you lost coverage, or that your claim isn’t more than the other driver’s insurance policy. The company might also insist that you did not provide notice of the collision within the stipulated time. If you did not keep medical records and costs of other damages incurred, the insurance company might suggest that you don’t have sufficient evidence and thus decline compensating you.
Even after you file a first-party insurance claim, the insurance company will look for ways to poke holes into the claim so as to deny it. It is best to look for an experienced lawyer to help you file a claim and pursue the right settlement for you.
2.  Hit And Run Accidents
Hit and run accidents are among the most common road accidents reported by motorists. Such an accident can cause damage to your car and other property and can even lead to loss of life. Motorists are left wondering who pays for the damages. Accident victims wondering how to be compensated in a hit and run accident can search online at https://www.joyelawfirm.com/accidents/car-accident-lawyer/ for an experienced lawyer to help with their case. In most cases, if you can have an uninsured policy, you may believe that your insurance company will deal with the matter and settle your claim.
In such cases, insurance companies might look for ways to give you a lowball settlement or deny it totally. In some instances, your insurer may act in bad faith to deny you your right. For instance, after you file your claim, the insurance company may attempt to review your policy eligibility to justify why they cannot compensate you. This is acting in bad faith because the insurer ought to have ascertained eligibility before issuing the policy.
If your insurer also knew that such a claim lacked a reasonable basis to get compensated, then that is acting in bad faith too.
3.  Crash-For-Cash Accidents
Crash-for-cash is a common accident on our roads. Numerous reports have been filed with criminals looking to make a quick dollar out of such situations. These accidents can occur when a driver suddenly brakes and the car behind runs into them. Fraudsters can manufacture collision situations often with innocent motorists. They will then file a collision claim aiming to profit from the situation.
Often, the victims appear liable despite you having nothing to do with the accident. In such scenarios, insurance companies will attempt to establish liability. When you seek damages, the insurer might decline on the grounds that you are liable for the accident. Even if you present evidence, the company might reject saying that it is not enough. Crash for cash accidents are a delicate matter that requires an experienced lawyer to help you get compensation.
4.  Multi-Car Accidents
An accident involving two vehicles can cause a massive pile-up on the highway. It is difficult to determine liability in a multi-car accident. In most road accidents, the car behind is at fault because they ought to maintain a safe distance from the car in front. In multi-car accidents, insurers are encouraged to cover losses incurred by their individual customers.
If you have been involved in such an accident, your insurer might delay before settling your claim, or simply decline to pay. Your insurer might claim that they have to ascertain liability first before paying you, or suggest that you seek compensation from the motorists who hit you.
It is important to be vigilant while driving and steer clear of avoidable accidents. If you are involved in one and your insurer refuses to pay, look for an attorney immediately to help you seek redress.
