Where Can I Find the Best Car Insurance Attorney in Charlotte, NC?525 North Tryon Street, Suite 1729
Charlotte, NC 28202
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Where Can I Find the Best Car Insurance Attorney in Charlotte, NC?
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.
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.
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What to Expect When You Hire a Morgan and Morgan Attorney?
Your car insurance attorney will attempt to mitigate the advantages the insurance company has. The first step to negating this advantage is by taking over communication with the insurance company.
Communication With the Insurance Company
Whenever you give the insurance company information, it can potentially use that information against you when deciding your claim. Your attorney will control what information is shared so that it can’t be used to hurt your position.
Additionally, your insurance attorney will conduct an investigation separate from the investigation conducted by the insurance company. Your attorney is looking for all evidence that supports your claim and will provide that evidence to the insurance company.
This prevents the insurance company from ignoring evidence that supports your claim without your knowledge.
Next, your car insurance lawyer will negotiate with the insurance company before the claim is approved or denied. It is better for these negotiations to begin earlier rather than later.
The goal of these negotiations is to get you fair compensation for the restoration of your vehicle and your recovery from all injuries resulting from the accident. Any settlement offer is only fair if it includes all expenses already incurred and a significant portion of all expected future expenses.
Appeal or Trial as Necessary
If the insurance company refuses to settle and either denies your claim or tries to approve it with a lowball offer of compensation, your attorney can either help you with the appeals process or file a lawsuit for you.
Which option your attorney recommends will depend on the specifics of your case. Even if you do appeal, you will still have the right to file a lawsuit after. And sometimes, the behavior of the insurance company during the appeal can be used to support your lawsuit.
Finally, if your case does go to trial, the case may take months or even years. Often, insurance companies will negotiate a settlement before a trial ends to save money. If that doesn’t happen, you can feel assured that Morgan & Morgan attorneys have excellent records of success winning trials in North Carolina car insurance cases.
Where Can I Find the Best Car Insurance Attorney in Charlotte, NC, When I Need Money Quickly?
One of the most challenging parts of the insurance claims process is that it is slow, and you often need money quickly after a car accident to pay off your bills.
Car insurance attorneys from Morgan and Morgan will focus on getting you paid as quickly as possible. This may require compromising a little on compensation, but we will never negotiate for anything less than fair. We understand how important a fast, fair settlement is to your recovery.
Is It Ever Safe to Speak to an Insurance Company Without Consulting an Attorney?
There are plenty of conversations you can have with an insurance company without consulting an attorney. For example, an attorney doesn’t need to be present while you are discussing coverage options with an agent.
But you should consult your attorney for or direct to your attorney any conversation regarding details of a claim.
Can I Hire an Attorney After My Claim Has Been Denied?
It is best to hire a car insurance attorney before you even make a claim. That is the best way to defend your rights when dealing with an insurance company.
However, even if you didn’t, we will still represent you zealously. It may require a little time for us to complete an investigation, but we will make sure that you meet all deadlines in both the appeals and legal process, regardless of when you hire us.
Is It Better to Take a Settlement or to Go to Trial?
There is no easy answer to that question. A settlement will get you money more quickly, but this will almost always be less money than you would potentially be awarded at trial.
If you win at trial, you will usually receive a much higher compensation value than you would from a settlement. But neither the win nor the award is certain. Additionally, any trial is likely to take years to complete, which can be difficult while you are in debt.
Your attorney will recommend to you which option to pursue based on the details of your case.
How Do I Pay My Bills Before I Get Money From the Insurance Company?
There are assistance programs that can help you pay bills or get money after suffering an injury, especially if that injury prevents you from working for a time. Your car insurance attorney can direct you to those resources and help you apply for them.
Additionally, your attorney can write a letter of promise to anyone providing medical services. This officially informs them that you are pursuing legal action against the insurance company and that you will pay all outstanding bills once you receive a judgment by the court or negotiate a settlement with the insurance company.
Usually, this will halt any bills until you get paid.
After an Accident, Where Can I Find the Best Car Insurance Attorney in Charlotte, NC?
If you are looking for a car insurance attorney that you can trust, Morgan & Morgan is the law firm you need. Our attorneys are experienced and have an excellent record of success. Contact us as soon as possible after a car accident in Charlotte, NC, to get a free case evaluation.