How Can A Car Accident Lawyer Help When Your Insurance Company Refuses To Cover All The Costs?

Imagine getting into a car accident and thinking everything will be okay because you have insurance. But what if your insurance company doesn't cover all of your expenses? What if they don't even acknowledge that you were in an accident in the first place? Unfortunately, this scenario is all too common. These car accident victims are left without the coverage they thought they had. There are a few things that you can do if your insurance company isn't covering all of your expenses.

Below are some ways a car accident lawyer can help.

1. Uncovering Hidden Coverage

Did you know that you may have additional coverage through an umbrella policy or an underinsured motorist coverage policy? Your lawyer can uncover any hidden coverage you may have, giving you more options for covering your expenses. They will force the insurance company to extend the coverage needed as standard policy requires.

2. Challenging Unfair Insurance Adjuster Tactics

Insurance adjusters are trained to save their company money, which can often mean lowballing your settlement or denying your claim altogether. A car accident attorney can challenge these unfair tactics and fight for the compensation you deserve.

3. Identifying All Potential Defendants

Sometimes, multiple parties can be responsible for a car accident, but insurance companies may only pursue the easiest target. A car accident lawyer can identify all potential defendants and pursue the maximum compensation possible for your expenses.

4. Filing a Bad Faith Insurance Claim

If your insurance company fails to act in good faith and handle your claim fairly, you may be able to file a bad-faith insurance claim. In this claim, your lawyer will try to show that your insurance company acted unreasonably when evaluating and adjusting your claim.

5. Securing Expert Witnesses

To prove your case, you may need expert witnesses, such as accident reconstruction experts, medical experts, and financial experts. For example, if your insurance company is disputing the severity of your injuries, a medical expert can testify on your behalf. A lawyer can help secure these witnesses and build a strong case for your compensation.

If you've been in a car accident and your insurance company refuses to cover your expenses, you have legal recourse. Good legal counsel can help you uncover hidden coverage, challenge unfair insurance adjuster tactics, identify all potential defendants, file a bad-faith insurance claim, and secure expert witnesses. Contact a car accident lawyer when your insurance company is reluctant to cover your claims adequately.