If you have been involved in a car accident that wasn’t your fault then the other driver’s insurance company who is at fault should be responsible for all of your medical bills, what it would cost to fix up your vehicle and all other forms of expenses.
Unfortunately, there are cases where some insurance companies refuse to be responsible for the bills of the driver that was affected and that is why you have our my car was hit and their insurance company wont pay article to guide you and tell you how to go about it.
Some insurance companies are known to avoid paying for truck and car accident claims even when it has been proven that they are at fault or they have received a ticket by the law. When the law pronounces the other driver as guilty and should cover for all of your medical bills, damages and all other expenses, you might think it is just an easy process but in reality, there are lots of insurance companies who have decided not to respond and pay for your claims for a whole lot of reasons. Two of these common reasons are;
Fault Disputes – If the insurance company carries out its own investigation then they might decide that the police was wrong by laying the blames on their own driver. In this case, they might also try shifting the blame to you so they can avoid paying your claims and if the insurance company insists that their driver wasn’t at fault then it might be difficult to get them to pay for your claims.
Compensation Disputes – If the insurance company of the driver who is at fault thinks you are asking for compensation more than what you are due, they would decide to give you just a small portion of the money and withhold the rest. This tends to arise when the insurance company thinks they are paying for medical bills which you do not need and it can also happen if the mechanic fixing up your damaged car took so long in finishing up.
My Car Was Hit And Their Insurance Won t Pay
You should not panic if the insurance company of the driver at fault refuses to pay for your claims because there are some steps that you would need to take which would get you the compensation that you deserve.
Hire An Experienced Lawyer
Once you find out that the insurance company is reluctant to pay for your claims then the first thing that you need to do is hire an experienced lawyer and getting someone who has a good success story when it comes to such cases would be an added advantage. This should let you know that the lawyer you are hiring to plead your case is good at what he is doing.
Your Lawyer Should Write To The Insurance Company
Once the lawyer has been found, the nest line of action that needs to be taken is for the lawyer to write a letter to the insurance company of the driver that is at fault. He should in his letter state that refusing to pay out your claims isn’t acceptable and also provide them with reasons why their action is wrong. He should also inform them that he would fight throughout the case until a compensation for his client is reached. Someone, just a letter from an experienced lawyer is enough to get the insurance company to negotiate or pay your damage and medical claims.
Prepare To Take Your Case To Court
If at the end the letter from your lawyer wasn’t enough reason for them to respond to your claims then the next step that you and your lawyer needs to take is to begin preparations on how to take your case to court. Your lawyer is tasked with getting your fully prepared with all that you need to get ready for your trial in court and in general, your preparations would look like;
- Gathering pictures of the accident to backup your claims
- Collecting the crash report
- Making a well detailed list of all of your accident related invoices and bills
At the trial, it is now the decision of the judge after looking at all the evidences presented before him to decide if the insurance company would pay for your claims or if you do not deserve to be compensated.