If you are involved in an accident, your insurance should provide you coverage for damages regardless of the circumstances leading to the incident. At times, you may partly contribute to the accident, but your insurance is still supposed to meet the costs for the damages incurred There are various reasons why your insurance might not cover your accident, and in such a situation, you need to consult with a lawyer to recover the compensation you deserve. You can read more eslingerlawfirm.com to understand about different scenarios where insurance cover won’t be applicable.
Read on to learn what your attorney can do if your insurance does not cover your accident.
Review the Reasons for Denial of Compensation
An insurance company can give you several reasons for denying your claim after an accident. Some of the reasons may include the following:
- Lack of coverage- they may argue that your policy does not cover the claim
- Claim errors- your application contains some misrepresentations of facts
- Insurance fraud- your claim is exaggerated
- Bad faith denial- the insurer offers several unjustified reasons
When you find yourself in this situation, your attorney will play a pivotal role in reviewing the reasons given by your insurance company for denying your claim. If the reasons provided are not fair, your lawyer can negotiate with the insurance company for a better settlement.
Investigate the Factors Surrounding the Accident
Before your lawyer handles your accident claim, they should conduct thorough investigations to establish the circumstances surrounding the issue. Charleston-based accident attorneys at https://www.dbdlawfirm.com/ explain that it is crucial to gather solid evidence that you can present to the insurance company to increase the chances of getting a better settlement. These lawyers have the experience in handling similar cases which can help you recover a better settlement from your insurance company.
Appeal the Insurance Company’s Decision
In most cases, your insurance company is supposed to cover about 70% of the costs of damages depending on your policy. For example, in a car accident, the vehicle repair costs should also be determined by the car’s value. Therefore, your lawyer can help you evaluate the damages to the vehicle and appeal a denial to your insurance company. What you should know is that insurance companies are in business. They are not obligated to offer you preferential treatment, so you need to be vigilant if you want to get fair compensation for any property damage incurred from the accident
File a Lawsuit
When the negotiations with the insurance company fail to yield positive results, you may decide to file a lawsuit to make the insurance company compensate you. This step requires an experienced lawyer who knows how to handle court proceedings and all the regulations involved in the litigation process. You should also make sure that you file a lawsuit within the required period to avoid losing your legal rights to getting fair compensation.
If you are involved in an accident where there are no serious injuries but have significant property damages incurred, your insurance company should pay for these damages. Otherwise, you need to hire a specialist accident attorney to handle your case as they have the experience in dealing with similar cases which can help you get the fair settlement you deserve.
