When you’re hurt in a car accident, your first thought may be, “At least my car insurance will cover this.” But your first thought might be wrong. Unfortunately, you may find yourself struggling to get the insurer to approve your accident claim.
If your insurance company has already denied your auto accident claim, you may be unsure of what to do next. It’s normal to be stressed and even angry when insurance has denied your accident claim, but there’s hope.
Contact our firm to discuss your unique case, and read on for more information on what to do after an auto insurance claim denial.
Auto insurance companies may claim your accident wasn’t serious enough to warrant a settlement. Or they might have offered you a tiny, offensively low settlement.
Whether you were denied or your claim was undervalued, you first need to know what your claim is truly worth. That way, you can prove to the insurance companies that you know what you’re owed and they won’t get away with lowballing you.
That means digging into your economic and non-economic damages. Your economic damages should cover all your expenses. Your car may be damaged, for example, and you need either expensive repairs or a brand new car.
But it’s not just about your car—you may have serious injuries, post-traumatic stress disorder, and plenty of missed days at work because of the accident. A lawyer can help you assign each damage a fair value and push for the maximum available compensation.
One of the most common problems you may face while trying to get an insurance settlement is shared fault. The insurance company may have already tried to pin part of the blame on you. Unfortunately, that can leave you without compensation for your injuries.
In Alabama, any portion of shared fault may leave you with a dismissed claim. If you accept any percentage of the blame for the accident, it won’t matter how much blame the other driver has. Alabama law says you can’t recover compensation if you’re even 1 percent at fault.
Insurers lean on that little fact to deny claims from deserving claimants. Fortunately, a good lawyer can help you avoid unfair blame and force the insurance company to hold up their end of the bargain.
When you’re hurt in a car accident, you may hope for an insurance settlement—only to be denied the help you need. When this happens, a lawyer may be your best bet for getting the compensation you know you deserve.
At the Henry Dailey Law Firm, we understand how difficult it can be to overcome an auto insurance claim denial. But we are here to give you the help you need for your lawsuit. To schedule a free consultation with a lawyer on our team, reach out by calling 205-995-2412 or by filling out the online contact form at the bottom of this page.
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