If you’ve been involved in a car accident, you may assume that the at-fault party’s insurer will cover your losses. However, many accident victims get a rude awakening. When they file their claim, the insurance company disputes whether their injuries and other losses are genuine. If an insurance company denies your claim, you need to get help from a car accident lawyer in Baltimore.
Proving That You Deserve Compensation After a Crash
If your losses are genuine, you’ll be frustrated that you have to prove your claim is real. However, if you want to get the compensation you deserve, you’ll need to present the necessary proof. Insurance companies deny claims for several reasons and while some are valid, others are not.
Disputes Over Liability
The company may claim that you were responsible for the accident. Many victims accept this and don’t try to appeal the denial. However, if your injuries are serious, you could be left with thousands of dollars in losses. You will need to hire an attorney to gather and present evidence that you were not at fault. They may draw on the police report, eyewitness statements, video footage, photos, and even an expert reconstruction of the scene to help prove your claim. These may help to show that you were driving safely and following the law.
The insurance company may also deny your claim because they believe your vehicle caused the accident even though you did nothing wrong. If this happens, you may have to prove that the tires were recently replaced or that your brakes were in good working order. Car repair bills and maintenance records can help you to prove your case.
Disputes over Injuries
Sometimes, insurers acknowledge that the crash was the fault of their client, but they dispute whether the victim was really injured or if their injuries are as serious as they’re claiming. If you’re suffering from debilitating pain and reduced mobility, you may feel quite insulted.
Even if you’re already receiving medical treatment, the insurance company may send you for what is called an independent medical evaluation. Despite the name, this evaluation may not be all that independent since the insurer pays the doctor. This physician is likely to find that your injuries are not as serious as you claim.
At this point, you may be inclined to accept whatever offer the insurance company makes since a little money is better than no money at all. However, if the settlement offer doesn’t truly cover your losses, you’ll still be in financial difficulty. It’s best to try to convince the insurer that your injuries really are serious.
One thing you can do is to try to get another doctor to examine you and give their opinion on your condition. You should also hire an attorney to ensure that your claim is backed by solid evidence and that you have the strongest possible case. If necessary, a car accident lawyer can file a lawsuit against either the at-fault party or the insurance company.
Why It’s So Important to Hire an Attorney
If an insurance company denies your claim, you need to hire an attorney as soon as possible. If the insurer has no real reason for not making you an offer, they will quickly realize you’re serious about getting compensation. You may suddenly get an offer that seemed impossible when you were unrepresented. Alternatively, your car accident lawyer may be able to spot problems with your original claim and help you to correct them.
They may also hire medical experts to evaluate your injuries or get an accident reconstruction specialist to give their opinion on what caused the crash. If the insurance company still doesn’t believe you, an experienced lawyer will take the matter to court and attempt to convince a jury that you are entitled to compensation.
Improve Your Chances of Getting Compensation by Contacting Pinder Plotkin LLC
Our Baltimore car accident attorneys can help you to get the compensation you deserve. The insurance company may have the upper hand if you’re unrepresented but with us on your side, you’ll stand a much better chance of recovering your losses. We’ll ensure the insurer takes your claim seriously. Don’t hesitate to schedule a free consultation and let one of our skilled and experienced lawyers evaluate your situation and provide you with expert advice. You don’t have any time to lose so contact us today!