What Should a Car Insurance Settlement Cover?

What Should a Car Insurance Settlement Cover?

A calculator and financial figuresIf you’ve been injured as a result of another driver’s negligence, you need the insurance settlement to cover the full extent of damages you’ve suffered, but what does that entail exactly? Recovering from the aftermath of a serious car accident is difficult, and you should be focused on your primary task of regaining your health and well-being. The fact is, however, that obtaining the compensation to which you are entitled also allows you the best chance of reaching your fullest physical and emotional recovery. If another driver leaves you injured in a car accident, you need the professional legal counsel of an experienced North Carolina/South Carolina personal injury lawyer on your side.

 

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How Much are Personal Injury Settlements for Truck Accidents?

A semi-truckSemi accidents are among the deadliest accidents on our roadways. The size and weight of these massive vehicles is enough to make truck accidents exceedingly dangerous. If a truck driver leaves you injured in a truck accident, you obviously need to procure a settlement that adequately addresses the injuries you’ve sustained so that you can reach your best possible physical and emotional recovery.

While it’s impossible to pinpoint a dollar amount of any accident claim before it’s been fully processed and appropriately litigated (if necessary), there are some basics that can help you ascertain what your truck accident settlement should look like. If a truck driver’s negligence leaves you injured, consult with an experienced North Carolina/South Carolina personal injury attorney today.

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Insurance Claims: Does the Insurance Company Have a Time Limit for Payment?

If you’ve been injured in an accident that was caused by someone else’s negligence, you’re relying upon the insurance company to do the right thing. In fact, receiving prompt payment from the insurance company can help you make it through this difficult time more comfortably and can help ensure that you reach your fullest recovery. If the insurance company takes its own sweet time in the matter, it can exacerbate the damages you’ve suffered. If you have concerns about an insurance claim, consult with an experienced North Carolina/South Carolina personal injury attorney today.

Do Insurance Companies Face Time Limits?

If you’ve brought a claim with an insurance company, being paid in a timely fashion matters. Further, if it’s your own insurance company – to whom you’ve been faithfully paying premiums for who knows how long – it can make the wait that much more frustrating. Generally, insurance companies are required to pay a claim within a reasonable amount of time. Unfortunately, there is no exact definition of what constitutes a reasonable period of time. As you may have guessed, your idea of what’s reasonable and the insurance company’s idea could be very different.

Your Claim

The fact is that a reasonable amount of time for your unique claim may vary significantly from the reasonable amount of time required for another claim. The more complicated the claim, the lengthier the claims process is likely to be. A variety of variables can play a role in how long your accident claim will take to process completely, and these include:

  • The length of time it takes you to provide the insurance company with the necessary documentation
  • The degree of complication involved in the accident
  • The legitimacy of any disputes made by either you, the other party, or the insurance company
  • Any mitigating circumstances that could affect your claim and that need to be investigated

Although there are complicating factors that can slow down the claims process, that does not mean that the insurance company shouldn’t take every reasonable action to resolve your claim within a reasonable amount of time.

The Insurance Company

The insurance company involved has a duty to you to resolve your claim in good faith within a reasonable amount of time. Insurance companies, however, sometimes engage in slow-down tactics that are anything but good-faith efforts. If you have a personal injury claim, it’s in your best interest to work closely with an experienced personal injury lawyer.

If Someone Else’s Negligence Leaves You Injured, Contact a Skilled North Carolina/South Carolina Car Accident Attorney Today

If you’ve been injured by someone else’s negligence, attorney Justin Bice at Bice Law – with offices in South Carolina and North Carolina – is on your side. Mr. Bice is committed to skillfully negotiating with the insurance company for the timely payment of the compensation to which you are entitled. To learn more, please don’t hesitate to contact or call us at 803-639-8777 today.

 

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North & South Carolina Insurance Claim FAQs

A question mark on a chalkboardIf someone else’s negligence leaves you injured in a car accident, a slip and fall, or in any kind of accident, you’re going to be dealing with an insurance company. And you’re probably going to have questions. Knowing the answers to frequently asked questions related to insurance claims can help. If you’ve been injured by the negligence of another, a North Carolina/South Carolina personal injury attorney can help.

Should I Accept the Insurance Company’s First Offer?

If you’ve made a claim regarding your personal injury claim and the insurance company comes back with a speedy offer, it’s in your best interest to consult with an experienced personal injury lawyer before you accept that offer. It’s important to recognize that the insurance company is motivated by profits, and if it’s making you a speedy offer, there’s a reason that very likely protects their interests more than it protects your own interests. Even if the offer takes a while, do yourself a favor and run it by an experienced personal injury attorney – accident claims are complicated, and once you have accepted an offer there’s generally no going back.

Do I Really Need a Lawyer?

If you have a personal injury claim, you very likely need an experienced attorney on your side. Injuries sustained in an accident can leave you with overarching negative consequences that affect your future, including:

  • Medical expenses
  • Lost hours and wages on the job
  • Pain and suffering

The fact is that you probably won’t know the full extent of the damages you’ve suffered until considerable time has passed. A knowledgeable personal injury attorney will work closely with you to ensure that your best interests are well protected and that the unique circumstances of your claim are taken into careful consideration.

Why Was My Claim Denied?

If your personal injury insurance claim is denied outright, it’s important to recognize that this isn’t necessarily the final answer.  Some insurance companies aren’t above denying claims at the outset – in an effort to bolster profits – even valid claims. Often, insurance companies deny claims based on liability, which means they claim that the negligent party wasn’t actually at fault for the accident or that the accident in question wasn’t the source of your injuries. If someone else’s negligence caused you to be injured, these are likely ploys on the part of the insurance company to discourage you from seeking the compensation to which you are entitled.

If You’ve Been Injured in an Accident that Was Caused by Someone Else’s Negligence, Consult with an Experienced North Carolina/South Carolina Car Accident Attorney Today

A car accident can leave you seriously injured – with serious financial damages. Attorney Justin Bice at Bice Law – with offices in South Carolina and North Carolina – has the experience and dedication to help. Mr. Bice is proud to serve the Carolinas and is committed to aggressively advocating for your rights. We’re on your side, so please don’t hesitate to contact or call us at 803-639-8777 for more information today.

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How to Deal with a Denied Insurance Claim

If you’ve been injured as a result of someone else’s negligence, the last thing in the world you need is to have your insurance claim denied. Being compensated for the injuries you’ve sustained is critical to your ability to reach your fullest recovery. Insurance claims – even valid insurance claims – are, nevertheless, sometimes denied, but that is not necessarily the final answer. If your personal injury claim has been denied, an experienced North Carolina/South Carolina personal injury attorney can help.

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My Insurance Claim: Does the Insurance Company Have a Time Limit for Payment?

If you’ve been injured in an accident that was caused by someone else’s negligence, you’re relying upon the insurance company to do the right thing. In fact, receiving prompt payment from the insurance company can help you make it through this difficult time more comfortably and can help ensure that you reach your fullest recovery. If the insurance company takes its own sweet time in the matter, it can exacerbate the damages you’ve suffered. If you have concerns about an insurance claim, consult with an experienced North Carolina/South Carolina personal injury attorney today.

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North & South Carolina Insurance Claims FAQ

If someone else’s negligence leaves you injured in a car accident, a slip and fall, or in any kind of accident, you’re going to be dealing with an insurance company. And you’re probably going to have questions. Knowing the answers to frequently asked questions related to insurance claims can help. If you’ve been injured by the negligence of another, a North Carolina/South Carolina personal injury attorney can help.

 

Should I Accept the Insurance Company’s First Offer?

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Whose Side is the Insurance Company On?

On radio and television commercials, it is not uncommon for viewers to be bombarded with insurance company advertisements. Insurance companies often advertise that they will be there for you in the event of a motor vehicle collision or other unexpected emergency. However, despite these claims, insurance companies are rarely working for you or your legal interests. By and large, insurance companies are large businesses that are primarily looking out for themselves.

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Five Insurance Company Tactics Designed to Get You to Settle for Less

Despite what they may say in their radio and television commercials, insurance companies really are not working for you. Insurance companies, like all businesses, are first and foremost interested in profit. By paying out compensation in an accident claim, the insurance company is losing money. Consequently, insurance company adjusters will use every trick in the book to try and undervalue your claim – and to try and get you to settle for less than what your injury case is worth.

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Can the Insurance Company Monitor Your Facebook Feed?

ISocial Media Appsn the age of sharing every last detail of our lives on social media, many people would think that posting after being involved in an accident is not that big of a deal. It is common to not even think twice before posting the most benign details of life online.

When it comes to posting on social media after an accident , there is one very good reason to avoid doing so, however The insurance companies who are attempting to reduce the value of your settlement offer are most likely watching to see if you will anything they can use against you on social media platforms. Their goal is to find information that might hurt your claim. One of the best places to seek out this information is on your Facebook page. A simple screenshot of a post or a comment on your Facebook page can be incredibly damaging as you are going through the claims process. There is nothing preventing a representative at the insurance company from finding your Facebook profile and attempting to dig for information on your page, especially if your profile is set to public.

How to Protect Your Data From the Insurance Companies

Although it is often tempting to share the details of your accident on Facebook, your attorney will most likely advise you to refrain from posting anything. There is simply no reason to give the insurance companies any information that can help them in their attempt to offer you less money for a settlement. 

In order to protect your data from the insurance companies, it is best to simply avoid posting anything at all to Facebook. That said, it is difficult to manage what other people might post to your own Facebook page and this information can be damaging as well. During this time, you might consider closely monitoring your page and making sure to delete any comments that relate to your accident in any way. 

After an accident, it is advisable to completely lock your Facebook page with every security setting in order to prohibit those viewers who are not on your list of accepted friends to look at your page. Better yet, delete your page altogether while you are going through the claims process. You can always reactivate it once you have reached a fair settlement and moved on from the accident. 

Speak with a Skilled North Carolina and South Carolina Personal Injury Attorney Right Away

If you’ve been injured and believe that another party is at-fault, your best course of action is to speak with an experienced attorney who can outline the details of your situation. The more information you can keep private, the better your chances of receiving a fair settlement to compensate for your injuries. The legal process can quickly become complicated and confusing, and Bice Law is here to help. Call us today at 803-639-8777 in South Carolina or 704-243-8778 for those located in North Carolina. We can set up a free initial consultation. You can also contact us online. Don’t delay, reach out today.

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