March 14, 2018

Can You Trust Auto Insurers?

Car Accident Lawyers PA

Most of us dont think a whole lot about our car insurancethat is, until we need it. Judging from the wacky and warmhearted insurance commercials out there, youd think that car insurance companies are all about holding your hand through the difficult times. That, however, is a myth of advertising, and if youve suffered through a car accident, you need to think critically about your car insurance and about how best to proceed.

Your Insurance Company and Your Policy

Were all required to carry auto insurance in Pennsylvania, and we all purchase that insurance with the hope that well never to have to use it. Pennsylvania, furthermore, provides for no-fault insurance with a variation called Choice. As an insured driver in Pennsylvania, therefore, youre offered the choice of purchasing either a less-expensive no-fault auto insurance policy or a more traditional liability-based policy.

Although a no-fault policy is more economical, buyer beware. With a no-fault policy, your car insurance company is responsible for covering the damages you suffer in a car accident, but limits that coverage solely to your economic damages and will not cover your pain and suffering (which is commonly associated with many kinds of car accidents). Pennsylvania does recognize exceptions for serious injuries within this no-fault framework.

If another drivers negligence injured you, contact an experienced Philadelphia car accident attorney. The involved auto insurance company may not prioritize your best interests in these often complicated cases. At The Levin Firm in Philadelphia, we have the skill, experience, and dedication to aggressively advocate for your car accident claims most positive resolutionand were here to help.

Insurance Companies: Business as Usual

If a car accident has left you injured, its natural for you to feel overwhelmed and at a loss of how best to proceed. Many people seek the path of least resistance, which means accepting the initial settlement that their insurance company offers. This is often a mistake. Insurance companies are in the business of making money, which involves denying and underpaying on as many claims as they can possibly get away withincluding yours.

While they must meet industry and federal standards, insurance companies are also adept at working around the rules.

The American Association of Justice put out a report, Tricks of the Trade: How Insurance Companies Deny, Delay, Confuse and Refuse, that outlines exactly how low some insurance companies will go to bolster their own profits. The association documents how even some of the best-known and well-advertised insurance companies (the ones that spend all that advertising money to gain your trust) arent above endeavoring to deny claims, delay payments, confuse consumers with incomprehensible insurance-speak, and retroactively refuse anyone who may cost them money. While this is difficult to understand, weve all had an insurance experience or two thats left us shaking our heads.

Tricks of the Trade

The American Association of Justice goes on to highlight some of the tactics that insurance companies commonly employ:

  • Denying claims outright. Some insurance companies simply make it a policy to outright deny as many claims as they can possibly get away with, which naturally is a great way for them to save big. Some insurance companies go so far as to reward the employees who deny the most claims. If your car insurance company is making noises about denying your claim, you need experienced legal counsel.
  • Delaying the not-so-inevitable. Another simple but effective tactic is delaying the insurance process to the point that many claimants simply give up (and meanwhile, insurance companies make money off the interest and investments in which they keep the eventual payouts). Sometimes giving up is just the easiest pathand if youre injured in a car accident, you may not have much fight left in you. Your skilled car accident attorney, however, can step in for you. Experienced lawyers know how to deal with insurance companies and can help you effectively and efficiently move your claim toward just resolution.
  • Speaking the language. Contracts of any sort are well known for how hard they are to understand, but car insurance policies sometimes purposely incorporate incomprehensible languageagain, to delay the claim. Some insurance companies also incorporate obscure coverage clauses that policyholders never understanduntil its too late and those clauses end up working against them.

Penalizing policyholders. Some insurance companies will even penalize their own customers when those customers call in to ask questions about their coverage (such as after car accidents). Some car insurance companies implement a calculation tool that weights a call for information about a policy with the same penalty thats afforded an actual claim. Insurance companies sometimes treat with hostility policyholders who are so bold as to inquire about the extent of their coverageand these insurance companies can even try to get rid of such customers.

You purchased car insurance because youre legally mandated to do so and because you need coverage in the unhappy event that youre ever involved in an accident. When the insurance company from which you purchase coverage takes measures to avoid adequately covering you when you need it, you can feel cheated.

Your car accident claim and your rights are too important to leave to chanceor to the car insurance company. You need experienced legal counsel.

If a Car Accident Left You Injured, Consult an Experienced Philadelphia Car Accident Attorney

Car accidents can upset anyone, and if one has injured you, resist the inclination to simply allow your insurance company to deal with the fallout. While thats why you purchased a policy in the first place, this strategy won’t likely serve your best interests. Put simply, insurance companies put their own profits first.

The dedicated legal team at The Levin Firm in Philadelphia has the skill, experience, and commitment to fight for your car accident claims best possible resolution. We care about your case, and were here to helpso please contact or call us at (215) 825-5183 today.

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