Insurance Company Problems
When something unfortunate happens, we trust that our insurance companies will take care of us. This is not always the case, as insurance companies are notorious for short-changing customers.
Insurance companies are not always straight-forward and their policy language can be confusing, leading to coverage ambiguity. It’s important to have an unbiased, professional opinion to help you sort through your questions and interpret what your insurance policy covers.
Settlements: Should I Take the First Offer?
If an insurance company has offered you a settlement, you should carefully evaluate the first offer. Insurance companies tend to offer what they think you’ll take, which tends to be much less than you deserve. Always check with your attorney once you receive an offer from an insurance company as you may be leaving money on the table.
It might be frustrating if you have “full coverage” and you’re still paying bills. Full coverage covers various fees, but there are usually limitations, exclusions and various coverage types. Sometimes, it’s just the insurance company not playing fair, which is another reason why you need an attorney on your side.
Insurance When Dealing with Auto Accidents
If you have been involved in a car or truck accident at no fault of your own, an insurance company will probably try to pay what they think you will take, instead of what your case is really worth. The other driver’s insurance usually does not pay for your medical bills until a final settlement is reached, or until you take them to court to force a settlement payout. While it can be difficult to wait for payment, it’s also important to focus on your recovery and make sure that you are receiving the care that you need in order to heal.
You might not even be aware that you have medical payments coverage. This coverage can be used to help pay for medical bills, regardless of who was at fault for the auto accident.
If your car has been declared “totaled’, an insurance company may not pay you enough to replace your car even though they are required to pay you the fair market value of your totaled vehicle. If you are not represented by an attorney, they may try to pay you much less than the fair market value of your car, leaving you with an even bigger problem.
Legal Assistance is a Necessity
As you can see, insurance companies are not looking out for your best interests and can be difficult to work with. Regardless of the type of claim you are filing, it is crucial to contact an experienced attorney immediately. The attorneys at Buzzell, Graham & Welsh will be able to help you sort through everything that the insurance companies are saying and get you the settlement that you deserve. Contact us today!