When you are in a car accident, it can be overwhelming. Even when you are not seriously injured, you must deal with the property damage to your vehicle. You may miss time from work as you obtain a rental vehicle, arrange for repairs to your vehicle, and visit your doctor to determine whether you were injured in the accident. The emotional stress and physical pain after an accident add to the financial losses to create an extremely frustrating situation.
If another driver is responsible for causing the accident, you may be entitled to compensation from that driver for your damages and losses. In most cases, the driver’s insurance company compensates you for your injury claim. However, what happens when the insurance company refuses to pay a claim?
Why Do Insurance Companies Deny Car Accident Claims?
An insurance company is not in business to pay claims. It is in business to make money. Therefore, it is not in the company’s best interest to pay full compensation for each injury claim filed against the company. An insurance company takes steps to limit its liability. Some companies act in bad faith when evaluating and processing injury claims. Other companies simply try to pay as little as possible to settle claims.
Common valid reasons why an insurance company may deny an injury claim include:
- The insurance policy has lapsed.
- The insurance policy did not cover the driver.
- The circumstances related to the accident fall within an exclusion.
- The driver did not cause the automobile accident.
- The victim did not provide adequate evidence proving damages and losses.
Even if an insurance company provides a seemingly valid reason for denying an insurance claim, that does not mean you should give up. You have the right to appeal the insurance company’s decision regarding your injury claim.
What Should You Do If An Insurance Company Does Not Pay?
If an insurance company is refusing to pay your injury claim, offers a very low settlement amount, or is unreasonably delaying your claim, contact our Sacramento car accident attorneys immediately for a free case review. Your time to file a personal injury lawsuit is limited. The insurance company may use delay tactics to exceed the time you have to file a lawsuit. Once the statute of limitations expires, you cannot pursue a legal claim against the insurance company or the driver.
Therefore, it is best to talk to an experienced attorney as soon as possible. An attorney investigates the claim to determine if the reason for denying the injury claim is valid. Also, the attorney investigates the accident to determine if another party may have some liability for your damages.
Dealing with an insurance company can be difficult, especially if you are unsure of your legal rights or the law governing your accident claim. An attorney understands the laws that protect car accident victims in California and how to use those laws to benefit the victim.
Contact Our Sacramento Car Accident Attorney for Help
Do not allow an insurance adjuster to convince you that you do not have a valid accident claim or that your claim is worth much less than you believe to be the value of your claim. Talk to our lawyers to learn the truth about car accident claims in California.
For a free consultation with a Sacramento car accident lawyer, contact The Tiemann Law Firm by calling (916) 999-9000 or by visiting our website. We are here to help you fight for fair compensation for your injuries, financial losses, and damages.
Neck pain is a common symptom experienced by many people after a car accident. However, what does neck pain indicate? Is neck pain a symptom of a serious car accident injury? Will it go away by itself in a few days or weeks?
A recent report indicated that pedestrian deaths would hit a 28-year high in 2018. California is one of the states that have the highest number of pedestrian fatalities year after year. Many of the pedestrian deaths caused by motor vehicles are attributed to driver error. However, pedestrians must exercise caution too. Pedestrians do not always have the right of way. Even when a pedestrian does have the right of way, he or she can reduce the risk of a pedestrian accident by taking certain precautions.
With the high cost of car insurance, it is not uncommon for drivers to search for ways to lower their car insurance premiums. Shopping around for car insurance is one way to reduce insurance premiums. Using one insurance company for all your insurance needs is another way to save money on car insurance. A new way to save money offered by some car insurance companies is by using an insurance tracking device to document safe driving for discounts.
Do you have questions about a car crash? It is natural to have many questions about a car crash, especially if this is the first experience with a traffic accident. A majority of the questions about car accidents concern filing an injury claim and receiving compensation for damages. Our Sacramento accident lawyers answer all your questions about car accident claims during a free consultation, including the three most company questions shown below.
Three Most Common Questions Asked About Car Accident Claims
Question One: How much is my car crash claim worth?
This question is typically one of the top three questions asked during every consultation. Traffic accidents result in a variety of damages, including financial losses, pain, and suffering. It is normal to want to know how much your claim is worth so that you know how much money you may receive to catch up bills, pay debts, and get back on your feet.
Our Sacramento personal injury attorneys are honest with clients. Giving you a figure during your first visit is not ethical. We need to investigate your case and carefully analyze all the factors to calculate the maximum value of your claim.
Furthermore, if you are still under the care of a doctor, we do not want to value your cause because your damages could be much more severe when you complete treatment. We want to know all the facts before calculating the value of your claim so that we can give you the best chance of recovering maximum compensation for all damages.
What we will do now is work with you closely to document each type of damage and loss to ensure we include all damages when calculating your claim.
Question Two: How long does it take to get my money after a car crash?
You do not receive compensation for a car crash until the claim is settled. A settlement might occur at any time after the car crash through the end of a trial. Once an injury claim is settled, you typically receive your portion of the settlement proceeds within 30 to 60 days. Of course, if the amount is set by a trial, a defendant can appeal the verdict, which would delay the receipt of the settlement until the appeal is resolved.
The important thing to remember is that you do not want to settle your car crash claim too early. Settling your injury claim before you complete medical treatment, have all the facts/information, or have a full understanding of the extent of your financial and physical damages could result in receiving a much lower settlement amount. Work with your attorney to determine the best timeline to use that gives you the best chance of an optimum result.
Question Three: What does it cost to hire an attorney for a car crash claim?
In most cases, our Sacramento personal injury lawyers accept car crash claims on a contingency fee basis. With a contingency fee, you do not pay upfront attorneys’ fees when you hire our law firm. Our attorneys’ fees are paid as a percentage of the money we recover for your injury claim. Therefore, if you are not paid, our attorneys’ fees are not paid.
A contingency fee agreement allows you to have the legal counsel, support, and aggressive advocacy of trained trial attorneys to help with your car crash case, regardless of whether you have the funds right now to hire a law firm. We believe all injury victims deserve to have legal help as they seek fair and just compensation for a car accident claim.
Contact a Sacramento Car Crash Attorney for More Information
You likely have many more questions about your car accident and injury claim. Instead of trusting an insurance adjuster who works for the insurance company, get advice from a trusted legal advocate who only works for injury victims like you.
Contact The Tiemann Law Firm at (916) 999-9000 or by visiting our website to schedule a free consultation with one of our California car crash attorneys.