At one point or another, if you are a vehicle owner, you will likely have to deal with an auto insurer. Not all insurance companies are out to make claims more difficult, but just in case, knowing what to do when an auto insurer is hostile is a good thing to know. So, if your car insurance company is refusing to pay or making you jump through hoops unnecessarily, here are a few tips.
The business of insurance is just that: a business. Insurance companies are motivated by the bottom line. While many market themselves as caring for their members and wanting to help in times of stress, let’s face it, profit is the bottom line, which is why insurance companies are famous for not wanting to pay up. If you are facing this, threatening to take your business away is often the only thing that will turn things around.
Getting the Runaround
Insurance companies are known to employ the tactics of denying the claim, delaying the claim, and defending the claim. To summarize this, an insurance company that does not want to pay is likely to deny liability.
The next step they would take is to basically delay the claim by giving you the runaround. Often, this takes the form of demanding more information or paperwork from you.
The final step in their tactic is to defend the claim, and this means that once a suit is filed, they will fight as hard as they can to defend your claim and not pay its fair value. Many car-insurance companies have formed their own law firms for this exact purpose. If your car-insurance company is refusing to pay, they will likely defend the claim as long as they can, making it as time-consuming and costly a process for you as they can.
When to Seek Legal Help
If you are experiencing any of the aforementioned difficulties from an insurance company, you need legal help fighting auto insurance companies to file a lawsuit. While this may seem extreme and stressful, it can save you a lot of time and stress in the long run. Insurance companies who don’t want to pay are masters at the runaround. From dragging out the claim to having you run around for papers they don’t even need, an insurance company that doesn’t want to pay will make you do all these things and more. Insurance companies have lawyers working for them, and so should you.