Resolving Arizona Auto Insurance Claims and Coverage Problems
Many people try to save money on attorney fees by handling their own auto accident cases. They think that when clear evidence of the other driver’s liability is available from police or witness statements, settling on favorable terms with that driver’s insurer will be easy. In reality, that’s when the hardest work usually starts.
Insurance Adjustors Are Not Your Friends. They Often Seek Statements and Other Information that They Can Use to Their Advantage Against You.
Friendly insurance adjustors often seek to elicit damaging information from accident victims, who may believe that this information is simply being used to “close the claim” so that payment may be made. In reality, the insurance adjuster may be seeking to show that you are at fault, or to minimize the amount of damages that you sustained.
Although it may appear clear as to who is at fault, insurance companies do not necessarily accept this proof. More likely, the insurance company for the person responsible for causing your accident may seek to deny all liability. This may be especially true if the accident victim is not being represented by legal counsel.
Settling claims with auto insurance companies isn’t a poker game — it simply doesn’t work to assume that you’ll ask for $75,000 and settle for $50,000. A claims adjuster isn’t likely to offer more than the amount that you can prove in court, and in fact, they may offer you much less than you would likely win in court. They know that most people don’t want to go to court or wait to be compensated for their injuries.
Problems with Auto Insurance Carriers
In addition to obtaining payment from the insurance company for the person causing the accident, people commonly run into problems with auto insurance carriers in three different ways:
- Overlooking available coverage — are you sure that you’ve identified all of the insurance companies liable for your losses? If the other driver has low liability limits or no insurance at all, have you applied for your own uninsured or underinsured motorist benefits?
- Applying to the wrong insurer for covered claims — your medical payment benefits or personal health insurance should cover all of your medical expenses, despite anything your own insurer or the hospital tells you. They’ll try to push you into collecting those losses from the other driver’s insurer, which will only lower the value of your overall recovery.
- Failing to recognize the importance of proper documentation for your losses — whether you need payment for hospital bills, future treatment needs or property damage, you need to be prepared to present clear proof of every element of your damages.
The lawyers at Fein, Flynn & Associates help clients recover from all insurance coverages that may be available.
If you have been injured in an automobile accident, please call our firm to learn how we may be able to help.
We are experienced in proving the cases of our clients, and dealing with insurance companies and their lawyers. We know the type of proof that they require before entering into serious negotiations for a fair amount for damages.
If you’ve been injured, call us so that we may meet with you to learn more about your case. We can then explain how we seek to recover from insurance companies and others who may be liable for your injuries. If we accept your case, we will do so on a contingency fee basis. You will not owe us any fees unless and until we recover for you.