The National Safety Council estimates that there were approximately 12.8 million car accidents in the United States in 2022, representing a significant number of car insurance claims [1].
A car insurance company works in their best interest, not your own, which means having a car insurance lawyer from Rosenfeld Injury Lawyers on your side can ensure your auto insurance policy covers all the damages it is intended to.
An experienced personal injury attorney from our team can help you navigate the challenges of a car accident claim. This includes identifying which insurance policy is meant to cover the accident and negotiating with insurance providers to ensure they provide every reimbursement they are legally required to.
Why Hire Our Car Insurance Claim Lawyers
Rosenfeld Injury Lawyers is highly familiar with the many tactics insurance carriers use to avoid accountability and will help you recover damages. We have decades of experience working with insurance company cases and have secured millions in damages on behalf of our clients.
Wrongful death car accident settlement
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Our Approach to Car Accident Insurance Cases
Our team of car accident attorneys is committed to our clients and takes an aggressive approach, demanding the car insurance company pay their fair share. We recognize that getting in a car accident is a stressful experience, so we work to minimize the disruptions to your everyday life so you can recover with peace of mind.
In all of our cases, we take an objective and methodical approach to ensure we have the best possible chance of success. We’ll carefully investigate the car accident, including determining who the at-fault party is. Our team will also review your policy to identify exactly what is covered.
We Negotiate With the Insurance Company on Your Behalf
The insurance company will do everything possible to diminish their responsibility, which can include avoiding your calls or delaying by demanding excessive evidence.
You’ll work with an attorney who is well-versed in typical insurance payouts for accidents like yours. Our attorneys are skilled in negotiation, providing evidence, and pushing for maximum compensation based on the facts of the accident.
We pressure companies, forcing them to respond in a timely manner and remaining mindful of any deadlines. At the same time, we’ll balance the costs of continued negotiation with the benefits of a higher settlement, so you receive the maximum benefit of our services.
Our Lawyers Will Represent You in Court
While we are typically able to settle with the car insurance company, sometimes a claim must be taken to court. If this is necessary, your attorney will provide world-class legal representation before a court of law, explaining the legal process to you and skillfully presenting the evidence to a judge and jury.
We Work on a Contingency Fee Basis
You pay nothing upfront to secure our services. Instead, we deduct our legal fees from your settlement. We don’t get paid unless you win, so there is no risk in scheduling a free consultation. Everything, from the investigation to court representation, costs you nothing out of pocket.
Understanding Car Insurance Coverage
In every state except New Hampshire, auto accident coverage is required [2]. However, coverage requirements differ by jurisdiction, so it’s essential to familiarize yourself with your particular state’s laws.
Every state except New Hampshire requires liability insurance. This insurance covers your liabilities in a car accident, such as a serious injury to the other driver or property damage. The minimum coverage in most states is $25,000 per person or $50,000 per accident for personal injury and $20,000 for property damage [3].
Some states also require these additional insurance policies, which are optional elsewhere.
Common Issues When Filing Car Accident Insurance Claims
The car accident claims process is often filled with pitfalls, as insurance companies want to pay the least amount possible. As such, hiring your attorneys from a car accident law firm like Rosenfeld Injury Lawyers will help ensure a fair settlement offer and prevent unnecessary delays.
Uninsured/Underinsured Motorists
Because the at-fault driver doesn’t have a policy or the policyholder’s liability coverage isn’t enough to cover your expenses, you must file your own claim against your policy. To avoid paying, the insurance adjuster may claim that you’re responsible for the damages or that the damages the other driver caused were not as significant as you claim.
If you’re in an at-fault state and injured by an uninsured motorist, you may not be able to make an insurance claim and must pay for all your own medical bills.
Claim Denials and Delays
Your car insurance company may deny your claims without explanation, even when you have sufficient evidence, like medical bills and a police report.
Insurance agents may also delay while their own attorneys review the case and identify ways to avoid providing compensation. This can include ignoring your calls and emails or demanding more evidence, like witness statements, additional information about any medical treatment you have had, or visual evidence.
An experienced insurance claim attorney understands these tactics and will push your insurance company to remain responsive.
Low Settlement Offers
Insurance companies don’t want you to recover compensation because it hurts their bottom line, so they will significantly underestimate claims. They’re also aware that most consumers aren’t familiar with typical settlements, allowing them to significantly undervalue claims.
In many cases, people accept the first offer they are provided without negotiating, which is why it is crucial to work with an attorney who is familiar with typical settlements in similar accident cases. We will independently verify the circumstances of the collision and compare it to the usual compensation so you receive a fair offer.
Bad Faith Insurance Practices
Unfortunately, it’s not uncommon for auto insurance companies to act deceptively toward their customers to ensure they can’t receive compensation.
They may inaccurately describe the property damage or say that you cannot make a claim if you are partially at fault, even when your policy allows for this. If your policy covers lost wages, they may claim it only covers medical expenses to avoid paying more.
Other tactics include failing to disclose claim filing deadlines, refusing to send a payment, failing to investigate the claim, or refusing to negotiate.
Breach of Contract
Breach of contract is when the company fails to honor its obligations as written in a contract. That may include denying claims that match qualifications, failing to offer you the compensation you’re entitled to, misinterpreting the contract in their favor, or subjecting you to unreasonable delays.
In any of these instances, the best course of action is to secure legal help from experienced attorneys like those at Rosenfeld Injury Lawyers. We can investigate your insurance contract and assess whether the company has followed their own procedures.
Car Insurance Claim FAQ
Contact a Car Insurance Claim Lawyer Today!
Rosenfeld Injury Lawyers works hard to hold insurers accountable for their responsibility to customers, guiding our clients through the car accident claim process and negotiating with adjusters to receive a fair settlement. We work on a contingency fee basis, so you owe us nothing unless we are able to secure you a payment.
Contact us online to schedule your free consultation, or call us 24/7 at (888) 424-5757.
References: [1] National Safety Council, [2] Progressive Insurance, [3] Progressive Insurance, [4] Insurance Information Institute, [5] Progressive Insurance