“The job of the insurance company is to deny your valid claim by any means necessary.” – Steven Magee
Motor vehicle insurance is defined as “a contract between you and an insurance company that protects you against financial loss in the event of an accident or theft.”
Basically, if you pay the required monthly premiums that both you and the insurance company agreed to upon signing the contract, your insurer will cover the costs of a car crash.
However, as the quotation mentioned above by Steven Magee notes, insurance companies are also “for-profit” organizations. Consequently, it is reasonable to assume that they will try all means necessary not to pay out your claim, even it is a valid claim.
It must be noted at the outset of this article that, in the majority of the states of the United States of America, all motor vehicle owners must have valid car insurance cover.
Also, if you have taken a loan from a financial institution to pay for the car, you are required to take out an insurance policy. You will probably need to take out comprehensive insurance if you are still paying off your vehicle. Otherwise, you have a choice between collision and comprehensive coverage.
The motor vehicle accident: A case study
Let’s assume that you are a motor vehicle owner. You have paid off your vehicle but have decided to take out a fully comprehensive insurance cover. You’ve just had a car accident which was not your fault. But your vehicle will be written off by the insurers as it is too damaged to repair. And, finally, you have minor injuries, including whiplash and a fair amount of bruising from the airbags.
Therefore, the question that begs is: How do you claim successfully from your insurance company?
By way of answering this question, here is the most crucial tip to help you manage this tedious process, especially now that you are injured.
Hire a legal professional that is well-versed in dealing with insurance matters
The first step is to contract an LA Allstate insurance lawyer to manage the entire claims process for you. Your attorney knows how to fill out the claim forms and what documents to submit, including the police reports, medical reports, and witness statements.
There are two reasons for hiring an attorney:
Your lawyer will argue the claim with the insurance company on your behalf. (S)he will ensure that your interests are represented and will not allow the insurance company any room to maneuver especially regarding a reasonable pay-out for your written off motor vehicle.
Secondly, even though your injuries are considered minor, you might want to consider filing a personal injury suit against the driver who caused the accident. Whiplash is not to be trifled with. It needs time to heal. Therefore, you might be off work for a while. Your lawyer will advise you and guide you through the necessary processes.
It is not fun being involved in a car accident, especially if you did not cause the accident. Thus, it is a good idea to allow a specialist attorney to manage the post-accident legal processes while you take the needed time to heal physically, mentally, and emotionally.