A car accident is stressful enough without facing issues with your insurance coverage. It is important to take steps to protect your rights if you believe that your insurance company is not providing the coverage outlined in your policy.
How much does a car accident actually cost?
Part of the reason it is important to push for proper coverage as outlined within the insurance policy is the fact that these accidents are expensive. In addition to the cost that comes with repair or replacing the vehicle, there is also the expense of medical treatment and rehabilitation if the accident led to injuries. These expenses can quickly soar into the hundreds of thousands of dollars.
What steps should I take if the insurance company is not providing proper coverage?
The first step in any dispute with an insurance provider is to review the policy. Knowing exactly what the insurance covers provides a solid foundation for your case if you need to challenge the insurer’s decisions. This will require a review of the policy documents with a focus on the specific terms and coverage limits that apply to your situation.
It is also important to document everything. Keep a detailed record of all interactions with the insurance company, as well as any documents related to the car accident, medical care resulting from the accident and subsequent claims. This can include a log of phone calls, including dates, times, and summaries of conversations.
If you believe the insurance company continues to fail to provide proper coverage, it may be wise to seek legal counsel to help advocate for your interests.
What if I need to challenge the insurance company’s offer?
The law requires insurance companies honor the agreements they make with policyholders. It is important to act if you believe that the insurance company has not handled your claim according to the policy terms. You can assert your rights and ensure you receive the coverage you are entitled to. Remember, you have options, and sometimes it takes persistence to achieve a fair outcome.