CHARLOTTE CAR INSURANCE ATTORNEY

When you are learning how to drive, North Carolina requires you to study the rules of the road and demonstrate proficiency in driving. North Carolina also guides you through most of the process of getting your license and makes it relatively easy to register your car. 

But one major aspect that North Carolina does not educate new drivers on is understanding how the insurance process works. Because of this, car accidents can be a source of confusion for new and old drivers alike. That is where an experienced car insurance attorney who is well-versed in the car insurance process can help.

Our car insurance attorneys at Morgan & Morgan can guide you through this process and will fight zealously to get you a fair settlement in your car insurance case. Reach out to our team through our contact form immediately if you have been in a car accident in Charlotte, NC, to get a free case evaluation.

Car Insurance Can Be Complicated

It is particularly surprising that new North Carolina drivers are not guided on how car insurance works since every driver in the state is required to have car insurance while driving a car. 

If the state requires you to be insured, it seems reasonable the state would also teach you to understand the insurance process, or require you to demonstrate an understanding of the process before getting a license. Instead, North Carolina allows individual insurance companies to instruct you about the process. 

Often, this means that most people don’t know how it works until after they need to make their first claim. It is only then that many North Carolina drivers learn that the car insurance process is complicated and unfriendly to people making claims. 

Car insurance companies control almost the entirety of the claims process, and claimants like you can feel helpless under the overwhelming power of an adversarial insurance company. When faced with this, you will probably find yourself asking, “Where can I find the best car insurance attorney in Charlotte, NC?”

Fortunately, car insurance attorneys are no strangers to insurance companies controlling the claims process.

Insurance Companies Control the Car Insurance Claims Process

While insurance companies are regulated, the car insurance claim process faces minimal oversight. And car insurance companies take advantage of this limited oversight to pay as little compensation to claimants as possible. 

If the process is unfair or you are treated unfairly during the process, you have limited redress options. Hiring a car insurance attorney from Morgan and Morgan is your best option when the insurance company is unfair to you during the claims process.

The Claims Process Can Be Overwhelming

Almost every part of the car insurance claims process is stacked against you. As soon as you initiate your claim, agents will begin asking for information and documentation.

Documentation and Investigation Take Time 

Most of the questions may seem reasonable enough. But many are designed to elicit information that can be used to deny or reduce the compensation for your claim.

Documentation can also potentially be used against you, but it also serves a second purpose. The more documentation the insurance company asks for you, the more time you have to spend finding and submitting it. 

Each delay frustrates the claimant and increases the likelihood that the claimant will drop the claim. A dropped claim is one that effectively costs the insurance company nothing.

If you continue with the claim, the insurance company will assign an agent to investigate the claim. Most of this investigation will be done without your input, but you may be required to answer more questions or provide the investigator access to your damaged vehicle or approve communication with your doctors. 

These are small inconveniences, but they add up, especially when you are recovering from an injury after a car accident and need money quickly. Furthermore, the investigator might take weeks to complete an investigation, and the claims process will not continue until the investigation is complete.

Uncertain Outcomes

Despite those potential delays and inconveniences, you can’t even be certain the insurance company will approve your claim. And if your claim is denied, you will need to rely on the appeals process to get the denial reversed, a process typically controlled by insurance companies. 

Even if your claim is approved, there is no guarantee you will get paid as much money as you should receive. Just as the insurance company has almost total control of the claims process, it also has near-total control of the valuation of that claim. 

For example, an insurance company might decide that certain expenses or costs are not covered, or that they are covered for less than the actual cost. And just like when a claim is denied, the primary way to reverse these decisions is to go through the appeals process.

With this complicated process that the average person may simply not understand, insurance companies can pay significantly less than they should on many car insurance claims. Representation by an experienced Morgan & Morgan car insurance attorney is the best way to navigate the claims process and get paid fair compensation.