An insurance company offers an essential service. This is so that you are covered if you get into a car accident and somebody gets hurt. Ideally, the only damage you’ll suffer in a car wreck will be to your vehicle. Unfortunately, not everybody is so lucky. You could suffer serious injuries in your accident. You may need surgery, physical therapy, and long-term medical treatment. If this is the case, you should be able to count on your insurance paying your claim. The same is true if the other driver was at fault. Their insurance should cover any of your injuries. When this doesn’t happen, you need to reach out to an experienced Columbia car accident lawyer.
Most Claims are Approved
Everybody who drives in South Carolina is required to carry auto insurance. For the most part, when a car insurance company receives a claim, it’s paid without any issue. If your claim is small, then it wouldn’t make sense for the insurance company to spend thousands of dollars fighting the claim. If your claim is really large, the insurance adjuster may want to take their chances of paying less in court.
It all depends on the facts surrounding your case. If you’re one of the people whose claims are denied, then you need to file an appeal. If this doesn’t work, then your Columbia car accident lawyer is going to need to file suit on your behalf. This, of course, is the last resort. Ideally, your attorney will be able to work things out with the insurance adjuster and get your claim paid.
You May Not Have Submitted the Necessary Information
There is a chance that your claim was denied because you didn’t submit all of the necessary paperwork. For example, you might not have attached a copy of the police report when you submitted your claim. Or you may have needed to provide a recorded statement and you failed to do this. Regardless of the reason, if it’s a minor issue like this, you should be able to clear it up rather quickly. If there’s a bigger issue, then you should let your Columbia car accident lawyer handle it for you.
The Insurance Adjuster May Feel You Were at Fault
If your claim is denied, then you should receive a letter of denial. This letter will state why your claim was denied. When your attorney reads this letter, they’ll have a much better idea of how to approach your case. One of the reasons your claim may have been denied is because the insurance company feels you were at fault.
There’s a chance the evidence may point to both drivers as far as fault is concerned. Of course, your claim may have been denied for a variety of other reasons, including:
- The insurance adjuster doesn’t believe you were injured
- You have a history of filing auto accident claims
- The adjuster believes you were partially at fault
- The policy was invalid or had been canceled
Regardless of the reason, your Columbia car accident lawyer will need to discuss it with the insurance company. The good news is that they have years of experience dealing with these large companies. They won’t be intimidated and will do what it takes to get your claim paid.
What Will Your Columbia Car Accident Lawyer Do Next?
The first thing your attorney will do is try to appeal your claim. If this doesn’t work, they’ll have no choice but to file a lawsuit on your behalf. Once the insurance company sees that you’re taking the matter seriously, they may be willing to talk settlement. This is the ultimate goal. Your Columbia car accident lawyer wants to settle your case rather than go to trial. Trials are expensive and time-consuming. It makes a lot more sense to settle as soon as possible.
You Should Call and Speak with an Experienced Columbia Car Accident Lawyer
If you find out your insurance claim has been denied, then you need to call and talk to an experienced Columbia car accident lawyer today. Schedule your free, initial consultation as soon as possible. You can set up a date and time that works for you. If need be, you can conduct your consultation over the phone or online. The best thing to do is sit down with somebody who has handled dozens of cases like yours before. Your car accident lawyer can give you an idea of what your case is worth. They can also let you know what to expect throughout the course of your lawsuit.