So What if You Have a Bad Insurance Experience?

You pay for insurance to manage the numerous risks of driving, owning a house, or many other things. Based on the advertisements and promises made by insurers, consumers believe these companies exist to offer protection during times of need.

As we discussed above, the reality can be very different; insurance companies are some of the largest and wealthiest corporations in the world. They sustain their operations and profits through any means possible, including questionable methods like frustrating policyholders or accident victims.

“I’ve dedicated my entire life to helping our clients receive full compensation for their injuries.”

Schedule a free case evaluation here.

Gary Burger

Litigation attorney

Your insurance company might use similar tactics to delay, reject, or limit a payout despite the validity of your claim. They may use suspicious terms, stall negotiations, offer embarrassingly lowball settlements, or drag their feet in issuing payments.

When an insurer acts unreasonably, you can protect your rights by fighting back. You need the right legal team when fighting against a bad insurance company. In St. Louis, you need Burger Law.

Tips for Dealing With a Uniquely Bad Insurance Company

Keep Adequate Records

An insurer can reject your claim because of a lack of relevant records or an wrong interpretation of your medical records. You can solve the issue by compiling supporting information, including doctor’s statements, police reports, or prescriptions, and providing them to an insurance agent.

There’s a chance an insurance agent has made an honest mistake, so if the insurance agent asks for additional but reasonable information, do your best to comply. If there’s a dispute, having your sources of information can clear the confusion.

Understand Your Insurance Policy and Rights

A thorough understanding of what’s covered and exclusions will give you an upper hand when dealing with a rogue insurer. More importantly, ensure you understand the requirements of filing a claim, time restrictions, and the estimated value of a claim.

Consider engaging a car accident attorney to help you understand your rights in case of a dispute. An attorney has a vast knowledge of insurance law and can clear any objections from the point of information.

Don’t Accept a Lowball Offer

If you’re in a compromised bargaining position, an insurer may pressure you into accepting a low settlement offer below the value of losses. Instead, engage a car accident attorney to evaluate the offer and negotiate for a higher settlement value.

An attorney has the skills and experience to evaluate whether the offer matches your injury-related losses.

File a Bad Faith Lawsuit

You may be entitled to a civil claim for damages if an insurance provider is demonstrating a clear act of bad faith. Examples of bad faith tactics include unreasonable delays, issuing unreasonable document requests, or a claim denial without a valid reason.

Our attorneys can help you sue for the initial settlement value plus statutory damages based on the insurer’s provider’s bad faith.

Get Legal Assistance From an Experienced Car Accident Attorney

If you sustained an injury in a car accident, you’ll likely endure hefty medical bills, lost productivity, and a reduced quality of life. An insurer company acting in bad faith will add to the burden associated with the injury. You deserve representation from an experienced attorney like Burger Law.