Protecting Your Rights and Receiving Compensation

You pay your car insurance premium on time each month; this is no guarantee that the insurance company will be just as timely or accommodating when it is their turn to pay you. The insurance company is interested in protecting their bottom line, meaning that sometimes when a driver needs them the insurance adjustor will look for a reason to deny the claim. If you are having a difficult time in getting compensation for damages caused by an auto accident, a St. Louis car accident attorney can help.

Is the Insurance Company Stalling on Approving Your Claim?

The procedure for filing an insurance claim after an accident is fairly simple. Report the accident as soon as possible to let them know that you have been injured. Submit all of your expenses related to the accident and the police report. The insurance company may stall or deny the claim when there is no reasonable reason to do so. If an extended period of time passes, the insurance adjustor may count on you giving up on your claim. This type of activity could be perceived as bad faith insurance by the courts.

How Do You Know If a Settlement Offer Is Reasonable?

There are a number of things to look at before jumping to the conclusion that the insurance company is not cooperating with you the way they should. First, you must consider your policy limits. If you have been skating by on a bare bones car accident insurance, then you will not be paid more than what the policy is worth.

The second factor is the actual value of your car accident claim. Insurance adjustors and lawyers alike have gained knowledge of the worth through years of experience. Once you explain the circumstances to your car accident attorney, they will know if the settlement being offered is fair. If you are having difficulty collecting compensation for damages, call The Hoffmann Law Firm, L.L.C. at (314) 361-4242 for a free case evaluation.