Car Insurance Claim Disputes

A car insurance policy is a contract under which you are required to pay your premiums on time and the insurance company is responsible for paying for certain losses. However, auto insurance companies have been known to seek out loopholes or other circumstances that can be used as justification for reducing your compensation or denying it altogether after an accident. There are several ways that auto insurance companies can act in bad faith, including unreasonable delays in the claims process and underpayment of claims. Insurers may tell you that you cannot collect on a claim because your injuries or property damage are substantially less than they really are or because you aren't covered by certain policies. In other cases, insurers incorrectly assign you the fault for the accident in order to raise your premiums.

Property damage claims are another common cause of auto insurance disputes. If your vehicle was damaged as a result of another driver's negligence in an auto accident, you are entitled to have your vehicle repaired. In addition, you should receive reimbursement for the loss of use while your vehicle is being repaired and for the diminished value to your vehicle after it has been repaired. If your vehicle was determined to be a total loss, you are entitled to the fair market value of your vehicle immediately prior to the collision. If you are having problems collecting on a property damage claim for your car, let the attorneys at Morgan & Morgan help you today.

Due to the complicated nature of insurance policies and the challenges inherent in dealing with large car insurance companies, it is difficult for auto insurance policyholders to fight back against bad faith practices and unfair claims handling on their own. Many drivers simply give up and resign themselves to accepting a payment that is much lower than the amount to which they are actually entitled. This makes engaging in these practices profitable for the insurance companies, despite the fact that they are unjust and illegal.

Whether you've been denied insurance coverage following an accident or are not receiving the full compensation to which you are entitled, don't try to fight the insurance company on your own. Our attorneys are ready to help you today. We can review your insurance policy, explain how your insurance coverage works, and make sure you receive fair payment for your claim. For more information about your rights in auto insurance disputes, contact Morgan & Morgan today by filling out the Free Case Evaluation form.