Auto insurance disputes are a common occurrence for many drivers. Whether you’ve been in an accident, had your car damaged, or experienced another car-related incident, agreeing with your insurance company can be challenging. While the best way to avoid auto insurance disputes is to have a good understanding of your coverage, sometimes that’s not enough. This blog post will look at five of the most common auto insurance disputes and how you can resolve them.
1. Determining Responsibility
When it comes to auto insurance disputes, involved parties may not agree on liability, primarily where a few different people could potentially be held liable. The question of liability will give way to which insurance policy pays out and how much. The circumstances of the accident are crucial when determining responsibility. That could include the actions of both drivers, road conditions, and any other external factors that may have played a role in the incident.
When filing a claim, insurance companies may look at the police report, statements from witnesses, and medical records. Each can help paint a picture of what happened and who was at fault for the accident. The insurance company will also use its internal investigation to determine liability. Therefore, seeking legal advice from an experienced car insurance dispute lawyer after an auto accident is essential to help you understand your rights and responsibilities and help you receive your compensation.
2. Calculating Property Damages
Regarding auto insurance disputes, one of the most common issues is calculating property damages. Many insurers calculate these damages using computer algorithms. Suppose you disagree with this valuation or believe your vehicle deserves more compensation. In that case, your best bet is to hire an experienced car insurance claim attorney to help you provide as much evidence as possible that supports your position.
Take pictures of the damage to your vehicle, get estimates from a body shop or mechanic, or document any other evidence that could prove the value of your property damages. That can help bolster your case when you go back to your insurer. With a good lawyer, insurers may be willing to negotiate with you if you can provide enough evidence that supports a higher settlement amount.
3. Value of Your Vehicle
Another common auto insurance dispute is determining the value of your vehicle after an accident. If you are in a collision and your insurer deems your car a total loss, the insurance company will offer you a settlement for the current market value of your vehicle at the time of the accident. Depending on your car type, this can be a source of disagreement between you and the insurance company.
If you feel that the insurer is underestimating the value of your vehicle, it’s crucial to provide evidence to back up your claim. That could include a recent report from a reliable party, such as a Carfax report, estimates from reputable car dealers, or documentation of aftermarket additions and unique features that would impact the value of your car. An experienced auto insurance claim attorney will help you understand the policies outlined in your insurance policy and be ready to challenge any offers that don’t meet your expectations.
4. Medical Expenses Disputes
Medical expense claims are a product of auto insurance and can be a source of contention between an insurance company and a policyholder when filing a claim. Medical bills may be significant when an accident occurs, and the insurance company may dispute the value or need for specific procedures or treatments. The insurance company will review medical records, treatment history, and applicable state regulations to determine responsibility for medical expenses.
In most cases, the insurer is responsible for all medical expenses related to the accident. That includes costs for emergency care, hospitalization, rehabilitation, doctor visits, surgery, and prescription drugs. However, if the insurance company believes the bills are unreasonable or unnecessary, they may deny the claim. It’s, therefore, crucial to consult a professional car insurance claim lawyer to help you assess your legal options. A good lawyer will advise you on how to appeal the decision and take legal action against the insurance provider.
5. Disputing the Settlement Offer
When settling an auto insurance dispute, the insurer’s offer may not always be enough to cover your costs. In these cases, you can dispute the settlement offer. Before battling the settlement offer, have supporting evidence for why you deserve more. A good lawyer will help you prove when your insurer is acting in bad faith by providing a lowball offer or denying a legitimate claim.
Ensure to explain all relevant facts to your attorney as accurately as possible so they can build a strong case against the insurer. Furthermore, it would help if you documented any communication between yourself and the insurance company since this could provide valuable evidence supporting your claim. Filing a lawsuit may be necessary if negotiations with the insurer still do not yield your desired results.
Understanding the process and your rights is critical when dealing with auto insurance disputes. Knowing how to handle common insurance claims disputes can help you avoid costly litigation. Having a good auto insurance claims lawyer is also vital. Your lawyer will review your policy details and any evidence and negotiate with the insurer on your behalf. An experienced auto insurance claim attorney will advise you on whether or not the settlement offer is reasonable and in your best interest to accept or negotiate for better terms or take legal recourse where necessary.