The At-Fault Driver’s Insurance Won’t Pay! Now What?

February 13, 2024 | By Impact Legal Car Accident Attorneys
The At-Fault Driver’s Insurance Won’t Pay! Now What?

A car accident can be traumatic, and dealing with the aftermath can often be just as challenging. One of the most frustrating situations car accident victims face is when the at-fault driver’s insurance won’t pay for the damages and injuries they’ve caused.

When this happens, it can feel like justice has been denied and leave you wondering what your options are. Below are the steps you can take if you find yourself in this unfortunate situation. Remember, your first step should always be to consult a car accident attorney to guide you through the process.

If you’ve been in an accident and are experiencing difficulties with the at-fault driver’s insurance company, immediately consult a car accident attorney near you. Experienced car accident attorneys are here to advocate for your rights and seek the compensation you deserve.

Filing an Insurance Claim Against At-Fault Drivers

Insurance Claim Filing

After a car accident, one of the first steps you will likely take is filing a claim with the at-fault driver’s insurance company. This process involves providing detailed information about the accident and your injuries and any supporting documentation, such as medical records and repair estimates.

The insurance company will then review your claim and decide whether to accept or deny it.

Insurance Company Delays in Claim Processing

Unfortunately, insurance companies are notorious for delaying the processing of claims. They may use various tactics to prolong the process, such as requesting additional documentation or conducting unnecessary investigations. These delays can be frustrating and can leave you feeling hopeless.

To navigate these delays, stay organized and keep copies of all your correspondence with the insurance company. Additionally, having a car accident attorney can help expedite the process. They can use their experience to negotiate with the insurance company and ensure your claim gets processed promptly. In some cases, unreasonable delays might lead to a bad-faith insurance claim.

Denials of Valid Claims

In some cases, insurance companies may outright deny valid claims, even when the evidence overwhelmingly supports your case. This denial can leave you feeling defeated and unsure of what to do next. Remember, a denial does not mean the end of your pursuit for compensation.

If your claim is denied, consult with a car accident attorney immediately. They will review your case and determine if there are grounds to appeal the denial or pursue other legal avenues, such as filing a lawsuit.

Disputing Liability of a Policyholder

Another frustrating scenario occurs when the insurance company disputes their policyholder’s liability. They may argue that their insured driver was not at fault for the accident or try to minimize their degree of fault. Insurance companies often use this tactic to avoid paying the full amount of compensation.

When faced with a liability dispute, your lawyer must gather evidence that supports your version of events. This can include obtaining witness statements, photos of the accident scene, and any available surveillance footage. An experienced car accident attorney can build a strong case and advocate for your rights.

Insurers Will Not Pay the Full Amount You Deserve

Even if the insurance company accepts your claim, they may offer a settlement that falls short of what you believe you deserve. Insurance companies often try to minimize their financial liability by offering low-ball settlements.

Accepting an inadequate settlement can leave you without sufficient funds to cover medical bills, property damage, and other expenses related to the accident.

To ensure you receive the full compensation you’re entitled to, it’s crucial to consult with a car accident attorney. They will assess the value of your damages and negotiate aggressively with the insurance company on your behalf. You can increase your odds of obtaining a fair settlement with their support.

Continuing Negotiations With a Car Accident Lawyer

Negotiating with insurance companies can be daunting, especially when dealing with the added stress of recovering from injuries. Having a car accident lawyer by your side can ensure that you have a skilled negotiator in your corner, fighting for your best interests.

Your attorney will handle all communication with the insurance company and work tirelessly to reach a favorable settlement. They understand the tactics that insurers use and will not be swayed by their attempts to undervalue your claim. By continuing negotiations with an attorney, you can rest assured that your rights are protected.

Filing an Injury Lawsuit

Car Accident Attorney

If negotiations with the insurance company fail to result in a fair settlement, filing an injury lawsuit may be the next step. By taking legal action, you can pursue compensation through the court system.

This process can be complex and time-consuming, but ensuring that you receive the full amount you deserve is often necessary.

A car accident attorney will guide you through the lawsuit process, from filing the complaint to presenting your case in court. They will gather evidence, interview witnesses, consult with experts, and use their legal experience to build a strong case on your behalf.

What if You Agree to a Settlement and Do Not Receive a Check?

Even after reaching a settlement agreement, some insurance companies may delay or fail to promptly send the agreed-upon check. After a lengthy negotiation process, this can frustrate you.

If you are in this situation, have your lawyer follow up with the insurance company and request immediate payment. If they continue to stall or refuse to pay, your attorney can take appropriate legal action to ensure you receive the settlement amount without further delay.

Consult a Car Accident Attorney Today

Dealing with an insurance company that refuses to pay for damages and injuries can be overwhelming. However, you don’t have to face this challenge alone. Consult a personal injury lawyer as soon as possible to understand your rights and options.

The right legal professional is ready to advocate for and guide you through the legal process. Contact a local firm to schedule a consultation. Remember, time is of the essence, so don’t delay seeking the help you need. Take control of your situation and let a professional fight for the compensation you deserve.