Car Insurance Lawyer
Victims who choose to retain the services of a car accident lawyer can have them deal with the insurance companies involved, both their own and for the at-fault parties. An attorney can assist in ensuring paperwork is filed and working on potential settlement negotiations.
Some clients find attorney services a welcome form of relief from the pressure they may be under after an accident, especially if they are dealing with insurance companies in the state of Maryland or other states with expensive insurance coverage.
What Damages Will Auto Insurance Cover After an Accident?
Auto insurance Lawyer is a type of insurance that covers trucks, cars, motorcycles, trucks, as well as other street-legal vehicles. The primary purpose of this type of insurance is providing financial protection in case of an accident, and against liability, that may also result from accidents as well as other incidents in the vehicle
Auto insurance refers to the contract that exists between you and your insurance company, where you agree to be paying a premium every month. In exchange, the insurance company agrees to pay for losses suffered in case of an accident, as long as your specific policy covers those losses.
Auto insurance Lawyer is required by law in most states and there are even penalties or fees imposed for driving without it. Auto insurance coverage depends on several key factors, which include the policies offered by your insurance company, the type of policy that you have purchased, as well as the specifics of the policy.
Driving Without Car Insurance?
Driving without car insurance Lawyer is illegal in almost all states. Insurance protects you, and others, from financial ruin in the event of an auto accident. In addition, it can come to the rescue if your car is vandalized, damaged by fire or stolen– depending on your policy.
Besides protecting you financially, car insurance is a social responsibility. Driving without insurance or the ability to pay for the damages you cause in an accident puts others at financial risk. That’s why all states (except New Hampshire) require drivers to carry liability insurance, according to the Insurance Information Institute.
Was the Accident Caused by a Defect or Poor Repair Work?
A knowledgeable Denver auto insurance lawyer also knows that it is important to determine whether equipment failure played a role in the accident and find the problem’s source.
For example, a vehicle or part manufacturer could be liable for defects in creation or assembly. Or a company responsible for maintenance and repair of the vehicle could be liable for failing to diagnose a problem or performing unsatisfactory repairs.
When Your Insurance Company Will Cover Legal Fees
If you get in a car accident and the other driver sues you, your Lawyer insurance company will most likely provide you with an attorney. Almost all auto insurance policies have a “duty to defend” built in for these situations.
The whole point of liability insurance is to protect your personal finances. It keeps you from having to pay out of pocket if someone sues you for a car accident.
How does Uninsured Motorist coverage work?
Add On UM/UIM Benefits are exactly like they sound. The underinsured motorist coverage is added on to the liability coverage carried by the at-fault driver to give you the total amount of coverage.
Reduced by limits provides for additional coverage only in excess of the liability coverage. This means you may likely be paying for coverage that you can not ever use.
For example
If you have Add On Benefits with $50,000 in Liability Coverage and $50,000 in UM/UIM Coverage, the Total Coverage for your injury would be $100,000.
If you have Reduced by Limit Benefits with $50,000 in Liability Coverage and $50,000 in UM/UIM Coverage, the UM/UIM Coverage for your injury would be $0 (UM/UIM– Liability), so your Total Coverage would still be $50,000.
Then you would need to add an additional lawyer $50,000 to your Liability Coverage to get the same total coverage in a UM/UIM incident.
What the Insurance Company Lawyer is not telling you, and What You Need to Know
When you buy car insurance, you are buying an insurance contract. That contract requires you, the insured, to pay money to an insurance company in exchange for a promise from the insurance company to pay up to a certain monetary limit when some covered event occurs.
The insurance company is agreeing to cover or take the place of their insured who suffers a loss. If you are in an accident, you let your insurance know about the claim so that they can investigate the accident to determine liability and coverage.
If you caused the accident and hurt the other person, that person will likely make a monetary demand to your insurance company.
What Should I Do If My Insurance Company Won’t Provide a Lawyer?
It looks like you’re responsible for causing a car accident, and you’re facing a lawsuit filed by the other driver. But your insurance company is saying it has no obligation to pay for a lawyer to defend you in court.
What now? The first step is getting the insurer to declare its basis for this decision, in writing. Once you have an understanding of the insurance company’s reasoning, you can decide how to proceed.
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Explain Your Side of the Story
If you decide you don’t agree with the insurance company’s reasoning, and would like them to reconsider their determination that they’re under no obligation to defend you in the car accident lawsuit, put your side of the story in writing in a professionally-worded letter or email.
Be sure to add as many specifics and details as possible, and ask for clarification of the insurance company’s position. For example, if the insurer is arguing that you failed to provide adequate notice of the accident that led to the lawsuit, ask them to explain how that jeopardized their ability to investigate the crash and/or defend the claim.
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The Specter of “Bad Faith” Can Spook Insurance Companies
This can quickly become unsteady territory for insurance companies, since some decisions to deny coverage can amount to “bad faith” on the part of the insurer.
It’s a fairly rare scenario, but if a separate legal action is started and a “bad faith” finding results, the insurance company will end up paying a lot more than it might have to simply defend you against the other driver’s lawsuit. Learn more about “bad faith” car insurance claim denial.
Common Questions Regarding Auto Insurance Our Attorneys Can Answer
Lawyer Some of the insurance questions that we frequently answer for our clients include:
- What are my options if I was injured by an underinsured or uninsured motorist?
- Do I have to use my own personal health insurance if I have car insurance?
- My case settled and now my insurance company wants payment. Do I have to pay them?
- Can I use the insurance policy of someone else in my household?
- My insurance company (or the other side’s company) is denying my claim. What can I do?
- Is there anything that I can do if my medical records say one thing, but my doctor told me something different?
- What is a medical lien?
- What is personal injury protection (PIP)?
While answering questions such as these and representing you, we back our service with The V Guarantee– an insurance lawyer will strive to get you every dollar that you are entitled to and do not collect a fee unless we first obtain a recovery for you.