Having an accident which impacts on your life is stressful. When you are trying to cover medical costs and need to take time off work to recover, it is important that you know what your financial options are. Personal injury attorneys help people who have been through an accident and now seek recourse from the other person who caused it. Before you meet with a personal injury attorney, there are details you need to gather so the attorney can help you with your case. These posts are all about what accident and personal injury attorneys do, what they need from you, and the different situations where using one is beneficial to your lifestyle.
If you live in a no-fault state, you will file a claim with your insurance provider when you are involved in an accident. You may believe that your insurance provider will pay for all of your medical bills but you may be surprised when your insurance provider instead denies your claim. Fortunately, this isn't the end and you may be able to have your claim approved with the help of a no-fault insurance attorney.
No-Fault States
In states that consider fault, you will be entitled to compensation from the other driver if you are involved in an accident and the other driver is at fault. However, you will need to prove negligence to be entitled to compensation. On the other hand, in a no-fault state, whether the other driver is responsible or not is irrelevant and you will be compensated through your insurance provider. However, you might still run into troubles that may lead to your claim being undervalued or denied.
You Aren't Covered
Depending on the type of policy you hold, you may not be covered for the type of injury you suffered. You also might not be covered if you have had a lapse in your premium. Your medical bills might be higher than your policy limits.
However, there are also situations where your insurance provider might deny your claim in bad faith. One example of bad faith is when they lie about the coverage you should be entitled to, when they delay your insurance claim unnecessarily, when they undervalue your claim, or when they deny your claim outright without a reasonable justification. If your claim is denied or undervalued, you'll want to speak with a no-fault insurance attorney.
A Failure in the Process
If you do not report your accident soon enough, you may have your claim denied. Also, if the insurance provider believes that your injuries were not actually caused by the accident, you may have your claim denied. If the insurance provider believes your injuries are exaggerated, you may find your claim denied. In this situation, you'll want to contact a no-fault insurance attorney.
The Accident Was Avoidable
In some cases, if your insurance provider believes that the accident was avoidable, they might decide to deny your claim. For example, if you were driving while distracted, you may find it more difficult to receive an insurance payout and you should immediately contact a no-fault insurance attorney.
Share19 November 2020
