What If the Negligent Driver’s Insurance Company Won’t Settle My Claim?
You’ve been in a car crash that was a negligent drivers fault. You did everything right, from calling the police at the scene of the accident to filing your insurance claim in a timely manner. You have been patient, but the representatives at the insurance company have continuously dragged their feet, leaving you wondering if they are ever going to make you a fair offer on your claim so you can get your car fixed and pay your medical bills. Is your only choice to hire an Oklahoma City personal injury lawyer?
Unfortunately, what you are going through is not out of the ordinary. If a driver is responsible for causing the crash that resulted in your injuries, their insurance company should compensate you for any property damage and medical expenses you incur. The only limit to the compensation you deserve is determined by the limits of the negligent driver’s insurance policy.
Reasons Insurance Claims Are Denied
Let’s take a look at why insurance companies deny claims. Here are some of the common reasons:
- Medical treatment delays – This is why injured individuals should seek medical attention immediately.
- A lapse in negligent driver’s insurance policy – This is why insurance companies offer Uninsured Motorist/Underinsured Motorist (UIM/UM) coverage on Oklahoma insurance policies.
- Policyholder denies being at fault – Determining fault in any car crash is a multifaceted process. Physical evidence, medical records, driver and witness statements, and police reports must be reviewed to make a determination. Just because an officer at the scene says that you are not at fault does not mean the insurance company will make the same determination.
If none of those reasons pertain to your situation and the insurance company continues to play around with your claim, it is time to contact an Oklahoma City personal injury attorney. Insurance companies are supposed to operate with good faith and transparency, which means that they need to uphold their end of the insurance policy.
The serious injury attorneys at Owens Law Office PC can put the pressure on the insurance company to either make a fair settlement offer immediately or we will pursue the claim in court. Because insurance companies prefer to settle, with our assistance, you will be surprised how fast the insurance company decides to start talking dollars and sense. Call us today at (405) 608-0708 to discuss your claim and the problems you have been experiencing and we will provide you with a free evaluation of your case.