Tips to Help if Your Insurance Company Won’t Pay After a Car Accident

Insurance companies refuse to compensate for injuries and property damage following a car accident. There are many reasons, but it usually boils down to the insurance company’s refusal to pay out claims. Insurance companies will often try not to pay you if they discover that your collision was caused by something other than an auto accident, running into your car while you were driving on the highway. We’ll go over tips below that can help if your insurer refuses to pay after an auto accident.

1.    Ask For Explanation

Before calling your insurance company, you should determine whether they have a non-payment clause in their policy. If you’re not sure how to go about this, contact your insurance broker or insurer to ask whether there’s a clause that specifies that your claim will only be paid when the accident was caused by another person driving negligently. If it says in the policy that your claim will only be paid once negligence is proven, it’s not necessary to prove who was responsible for causing the accident.

2.    Threaten their Profits

If there’s no clause like the one mentioned above, you can also threaten your insurer by saying that if they don’t pay out your claim, you’ll file a report or even press charges against them. Though it might seem counterintuitive, insurance companies are just businesses trying to aim for profits. If their own business is threatened by letting you have your claim and paying you, there’s a high chance they’ll pay up.

3.    Use Your Policy

If your insurer still doesn’t budge, mention your policy with them. Remind them that it doesn’t state anywhere that they have to pay up if you’re not at fault for causing the accident or collision. The more evidence you can give them, the more likely they’ll compensate for your losses. This is because when you’re in an accident, they have to consider that their policy states that they will only pay up if it’s a situation where the other party is at fault.

4.    Take Your Case to Small Claims Court

If your insurer still doesn’t pay after going over your policy and checking for loopholes, your next step should be small claims court. In small claims court, you will be able to present your claims and evidence in a hearing before a judge. The small claims court’s objective is to settle disputes between people who have filed a claim against each other without going through the hassle of hiring lawyers or going to trial.

5.    File a Lawsuit

If your insurer still doesn’t budge, despite going over small claims court and the policy that you have with them, you should file a lawsuit against them. In this process, you will hire an Unpaid Insurance Claim Attorney or legal representative to help you go through the courts to get your claim compensated. If it does come to this step, consult with a lawyer first before proceeding with your suit.

Conclusion

Going through the steps above can help you get your claim compensated if your insurer won’t pay up. Though it might be a little difficult at first, there are ways to get what’s yours if you go about it in the right way. If all fails, consider hiring an Unpaid Insurance Claim Lawyer to finalize things for you and get your claim compensated.