Tips to Help You Handle Insurance Claim ProblemsMarch 28, 2018
Insurance exists to help cover claims for accidents and unexpected injuries or property losses. Unfortunately, though, insurance companies exist to make profits. When you file an insurance claim, then, the company is not always looking out for your best interests, whether it is your insurer or that of the person who caused your claim. If you are having trouble with your claim, you need an experienced lawyer in your corner.
Don't Rush to Settle Your Insurance Claim
Which insurance company you deal with depends on the circumstances. If someone else caused your injury or property damage, you will deal with that person's insurer. On the other hand, your insurer could be covering the claim if you injured yourself or need coverage for an accident covered by your policy, you will be working with your own insurance company.
Whoever is helping you, the company will have a built-in incentive to get you to settle quickly. Don't blindly accept what they offer! If you receive an offer from the insurance company, take the time to think, to gather information, and to make the best choice you can.
Look Out for Bad Faith by the Insurer
In some cases, the insurer goes too far in pushing its own interests. An insurance company has a duty to act to resolve claims quickly and appropriately. If an insurance company does not treat your insurance claim fairly, you can sue for bad faith to recover damages.
In New Jersey, you can get help with insurance complaints through the Insurance Ombudsman. This office helps you resolve claims and complaints against the insurer, whether it is your insurance company or that of the person who caused your accident. But it does not handle claims for Personal Injury Protection (your auto health insurance) car accident claims.
Getting Legal Help
If you suffer an injury or property loss and feel you are not being treated fairly on your insurance claim, contact Stern and Stern LLP. We will listen you do and work to protect your rights during your insurance claim.