Auto insurance plays a crucial role in recovering monetary damages after an accident. The other driver’s policy might have a recovery limit, the insurer may try to put a cap on damages, and one can recover nothing because the other person has no insurance at all. Readers can browse this site to learn how an Automobile Accidents Attorney in Allentown PA can help in these situations.
Standard Auto Insurance
Standard auto insurance is the coverage that protects drivers and authorized users of vehicles from reckless or negligent driving. In most areas, drivers are legally required to have a minimum amount of auto insurance when operating a vehicle on public roads.
Under- and Uninsured Motorist Coverage
If the other driver’s insurance policy does not pay for all of a victim’s damages, they will not be able to obtain full compensation. Most insurers reject claims outright if they ask for more than the coverage limit, and the only solution is to initiate a court case for the remaining damages. If another motorist lacks insurance coverage, the victim’s best option is to file a claim against their own insurer. It’s possible to hire an Automobile Accidents Attorney in Allentown PA to sue the other driver, but if they do not have auto insurance, the chances are high they can’t afford a lawsuit payout.
When the Insurer Won’t Pay for Full Damages
Another common situation occurs when an insurance adjuster refuses to pay the full amount of a victim’s claim. To solve the problem, the victim or their attorney must negotiate with the insurance adjuster, and they must prove why the victim is entitled to damages. Negotiations often consist of multiple phone calls between a victim and adjuster, and if a person has legal representation, counteroffers are typically more generous. However, legal counsel does not guarantee a full payout.
Does a Victim Need an Attorney When Negotiating With an Auto Insurance Company?
If a victim needs help filing or negotiating an auto accident claim with an insurer, they should contact a personal injury attorney as soon as possible. A local attorney can help clients gather evidence, and they can seek legal alternatives in cases where an insurance adjuster’s decisions are unreasonable or unfair.