Dealing with car insurance companies can be a nightmare. The average person rarely understands in full detail their insurance policy. In the event of a car accident, filing a car insurance claim can be a long and confusing process. However, without insurance companies, there would be a complete inability to collect damages against most people from a car accident case. In this post, we will cover some details and advice to guide you when making claims for personal injury against California car insurance companies.
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Car Insurance Companies Overview
When someone is involved in a severe car accident, most people don’t have the financial resources to pay the other person’s medical bills and pain and suffering from that accident. That’s why you buy insurance to protect you from the financial burden of a car accident. Paying for car insurance is highly recommended and is required by law to operate a motor vehicle in California. Insurance companies do help people in many cases from sustaining financial ruin. The insurance industry likes to portray this image of themselves that they’re on your side or you’re in good hands, and the reality is that’s just simply not true. An insurance company is looking out for itself. It’s a for-profit company. As for-profit companies, car insurance providers and other insurance companies increase revenue collection of premiums and decrease expenses to increase profits. How do insurance companies that pay for medical bills and pain and suffering also increase revenue and profits? They refuse to pay claims and do everything they can to spend as little on a claim as possible. That’s where the insurance companies are misleading the consumers into believing they’re helping you when they’re not. They’re trying to reduce what they must pay. Their goal is to pay you as little as possible. So that’s part of the challenges that personal injury attorneys face in litigation.
Insurance Company Tactics
Insurance companies will utilize many techniques to reduce what they must pay. They will claim that someone’s an excluded driver or not a permissive user. They will raise contractual limits saying fifteen thousand dollars is all they’re obligated to pay. But is there another provision in the policy that makes them pay more? Sometimes insurance companies will argue filing a claim with the other driver’s insurance company without disclosing an underinsured motorist or an uninsured motorist policy that might benefit you. There are also questions about vicarious liability. There are questions about what you must pay back to other insurance companies such as health care providers. In the big picture dealing with a personal injury claim for car insurance in California is much more complex than people realize. If you’re filing a claim against an insurance company and don’t feel like you’re being treated fairly. Or if you have any questions regarding your insurance policy following a car accident. It’s recommended to consult with a qualified car accident and personal injury attorney to determine your case eligibility.
If you are the victim of a car accident and have trouble understanding your current car insurance policy or believe that the insurance company is mistreating you, we recommend you reach out to our expert car accident and personal injury attorneys at Eason and Tambornini, A Law Corporation. Our legal experts are available to answer any of your questions during one of our FREE no-obligation consultations.
To speak with a car accident attorney in Sacramento confidentially, call us at 916-438-1819, or visit our website contact page to connect with an attorney via direct message and schedule a time to chat that works best for you.
