We all know that insurance companies make their money by selling people insurance while denying as many claims as possible. Their other tactic is to pay the lowest amount a claimant is willing to accept. Dealing with a claim denial or a ridiculously low settlement offer can add insult to injury after a car accident. This is especially true when the other driver carries all of the fault for the collision.
After an accident with a reckless driver in the Vista area, it is perfectly natural for you to want everything back to the way it was before that person decided it was more important to send a text than keep his eyes on the road. That is why it is infuriating when an at-fault driver’s insurer offers an amount that is not near enough to cover the damages.
When that lowball offer arrives, do not tear up the check in irritation. Instead, return the check along with a letter that details your reasons for rejecting the offer, the amount you need to cover the expenses connected with the wreck, and why the insurance company should pay what you are requesting. You can have your attorney draft and send this letter in order to get the insurance company’s attention.
Do not expect a quick resolution. Insurance companies tend to drag their feet when it comes to negotiating a settlement. You may end up receiving and rejecting several offers before the insurer comes close to offering the amount you requested. In addition, you may have to contact someone with the insurance company that has more authority than the adjuster in order to get the results you want.
However, if the insurer continues to come in too low with a settlement offer, it may be time to consider filing a claim in court. Your lawyer will help you determine if you have a strong enough case, what you can expect to receive and how best to present your case. If you take your case to court, you will be suing the other driver and he may contact his insurer and attempt to force them to pay.
While the insurer might finally agree to pay the policy limits, it may still not be enough to completely cover your damages. At this point, the at-fault driver will be responsible for the difference, however if he does not have the economic resources to pay, you may never receive the full amount you are asking for.
If you have been involved in a collision in the Vista area, you may be able to file a claim for compensation for the damages caused by the reckless driver. Keep in mind that you may have a long battle ahead when it comes to fighting the insurance company to fully recover your losses.