Georgia law requires that everybody who drives carry auto insurance, much to the benefit of an insurance company. The purpose of having insurance is two-fold. First, it’s meant to cover the medical bills and damages suffered by accident victims. Second, it’s designed to help cover the cost of repairing or replacing vehicles damaged or destroyed in a car wreck. Carrying insurance is not optional. Sure, you can choose what kind of coverage you want, but you need some type of insurance. The problem is that insurance companies are never all that eager to pay insurance claims. Car accident lawyers in Macon talk to accident victims all the time who are frustrated by the insurance carriers.
If you find out that the other driver’s insurance company has denied your claim, you’re going to feel a few things. First, you’re going to be angry. After paying for your own insurance for years, it makes no sense that the defendant’s insurance company wouldn’t approve your claim. Second, you’re going to feel scared. You may have no idea how you’re supposed to pay your bills. Third, you will be frustrated. When you get to this point, it’s a good idea to reach out to a car accident lawyer in Georgia. Let them deal with the legal side of things while you focus on getting better.
You Need to File Your Claim Against the Right Insurance Company
There are a few things you need to do immediately after your Georgia car accident. First, you need to call 911. The police will come out and do a thorough investigation of the accident scene and write up the police report. Second, you need to go to the hospital. The emergency room doctors will look to see if you’ve suffered any sort of injury. Third, you want to make sure you file your insurance claim against the other driver’s policy. And, finally, you’ll want to talk to an experienced car accident lawyer in Georgia.
If you’re lucky, your insurance claim will be paid, and you won’t need an attorney. Unfortunately, there are times when the insurance company chooses to deny your claim. There are all sorts of reasons for that. We’ll discuss these in detail below. Usually, it’s a matter of the insurance company feeling that your claim isn’t worth what you say it is. Or they may feel they have a good chance of winning if it goes to court.
Your Car Accident Lawyer in Georgia Can Determine Why the Claim Was Denied
There are a variety of reasons why your auto accident claim may be denied. In some cases, it’s simply a matter of missing information of paperwork. Your car accident lawyer in Georgia can easily clear these matters up. However, if it was denied for a more serious reason, it can be a bit harder to get it approved. Some of the reasons for denial include the following:
- the policy wasn’t valid
- The other driver had stolen the car
- They believe you caused the crash
- They do not think you were injured
- You have a history of filing auto claims
- They think they can settle for much less in court
- You didn’t provide the required paperwork or statements
No matter the reason, your car accident lawyer in Georgia will try to rectify it. They’ll reach out to the insurance adjuster and try to negotiate a settlement of your claim. If this isn’t possible, your attorney will file suit on your behalf.
There’s a Good Chance Your Car Accident Lawyer in Georgia Can Negotiate a Settlement of Your Claim
Before your car accident lawyer in Georgia files suit, they’ll try to settle your claim. They’ll talk to the insurance adjuster and see if they have a number in mind. They’ll go back and forth and try to come to a figure that is fair to both parties. The insurance company wants to settle as badly as you do. Nobody wants to go to trial. Trials are expensive and time-consuming. Plus, there’s always the chance that you could lose in court. It’s in everybody’s best interest to settle before it goes to court.
Call and Talk to a Seasoned Car Accident Lawyer in Georgia
If you’re hurt in any sort of accident and your claim is denied, call our office. Speak to an experienced car accident lawyer in Georgia. They can review your case and let you know if you have a valid claim. They can also give you an idea of what your case is worth.
Call today and schedule your free, initial consultation.