Car accidents are stressful enough, but when your insurance company refuses to cooperate, it can make the situation feel even worse. Whether they’re ignoring your calls, delaying payments, or denying your claim altogether, you’re not powerless. Knowing what steps to take with an experienced car accident lawyer can help you protect your rights and move forward. Here is some advice from our friends at Barry P. Goldberg about how to handle a car accident if insurance is not assisting you.
Understand Your Policy
Before getting too deep into the back-and-forth, it’s important to thoroughly review your insurance policy. Many drivers don’t know the extent of their coverage until they need it. Look for language regarding collision coverage, comprehensive coverage, and any exclusions. Understanding what you’re entitled to helps you respond more effectively if your insurer pushes back.
Document Everything
Keep detailed records of your accident, your injuries, and any communication with your insurance provider. This includes photos of the accident scene, a copy of the police report, medical records, and every email or letter you send or receive. Having a paper trail can be critical if your case escalates to a formal dispute or legal action.
Be Cautious About What You Say
When speaking with your insurance company, be careful with your words. Never admit fault and avoid speculating about the accident. Stick to the facts and provide only what’s necessary. Anything you say could potentially be used to reduce or deny your claim.
Consider Filing A Complaint
If your insurer continues to be uncooperative, you can file a complaint with your state’s department of insurance. Many states have consumer protection divisions that investigate unfair claims practices. This move can sometimes prompt an insurer to resolve issues more quickly to avoid regulatory trouble.
Talk To A Lawyer
If your claim is being delayed or denied without good reason, it may be time to consult with a car accident lawyer. It is important to get justice after being in a car accident. A legal professional can step in, communicate on your behalf, and apply pressure to ensure the insurance company meets its obligations. In some cases, a lawyer can help you file a lawsuit for bad faith insurance practices.
Insurance companies have a duty to act in good faith when handling claims—but unfortunately, that doesn’t always happen. If you’ve done your part and your insurer still isn’t helping after a car accident, you don’t have to go through it alone. Getting help can make a significant difference in receiving the compensation you deserve. Reach out to a lawyer today to learn more.