subject: Problems You May Face When Filing An Auto Accident Claim [print this page] Proceeding with an auto accident lawsuit against an insurance company can be a complex process that should never be dealt with alone. Insurance companies are not in the business of giving money away, and in many cases, you may have a fight on your hands. There are some major areas where a victim of a car accident may run into issues with an insurance company and face opposition, requiring the help of a professional, and it is best to always have an auto accident lawyer at your side.
In the past, there have been frequent cases of an injured party being unable to be properly compensated simply because the driver who caused the accident was not holding proper insurance, even if the injured person was properly insured. While the holes in this loophole are blatantly unfair, many drivers still find themselves running into problems.
It makes a little more sense for the injured party to face opposition in being compensated if they are the one not insured, and some states are beginning to recognize this by putting limitations on uninsured drivers who get hurt. Other drivers who are insured are now seen making moves to protect themselves, whether or not it is fair, and are buying extra coverage that takes care of them if they get in an accident with one of these uninsured drivers.
Some drivers possess insurance but do not have the proper coverage, and this can also cause problems for you. Each state sets a minimum amount of coverage needed, but some states may choose to set abnormally low minimums, leaving a high percentage of bad drivers who are improperly insured. It gets to a point where if a driver has enough driving infractions their insurance costs go up, so they buy the very minimum required by the state to save money.
The end result is a lot of drivers on the road with bad records and not enough insurance to cover the probable likelihood of them getting in another wreck. There are a number of insurance agencies who have risen to this challenge by offering an insurance plan that covers drivers with inadequate insurance. If you live in a state with minimal requirements, you may want to ask your provider about this.
Finally, some insurance companies just don't play nice. They may try to under-appraise the value of the automobile or use state loopholes to get around paying for medical costs. In other cases, they may simply try to find a way to shift blame and make the accident seem like it was the injured party's fault or a shared fault incident when it was anything but.
Never accept responsibility of a car accident at the scene or after, even if you feel you might have shared a small part of the responsibility. Always contact an automobile accident attorney as soon as possible to discuss your case and receive legal advice. It can mean all the difference between getting the medical and financial compensation you are obligated to or being taken for a ride.
by: James Druman
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