While insurance companies decide many auto accident claims, they don't have the final say. If you're not getting the help you need from the insurance company, it's time to explore your legal rights.

Review the Insurance Policy

When you're dissatisfied with an insurance settlement offer, an essential step is to have an auto accident lawyer review your insurance policy. Insurance policies can be complex documents with various provisions and exclusions that may impact your claim. Your attorney will carefully examine the policy to determine the coverage limits, relevant clauses, and any potential breaches by the insurance company.

They will assess whether the insurer is acting in good faith and fulfilling their contractual obligations. By thoroughly understanding the policy, your lawyer can better evaluate the fairness of the settlement offer and determine if the insurance company is undervaluing your claim.

Send a Demand Letter

If you're unsatisfied with the insurance settlement offer, an auto accident lawyer can assist you in drafting a demand letter. This formal document outlines the reasons why you find the offer insufficient and conveys your intent to seek a fair resolution. The demand letter serves as a clear and concise communication to the insurance company, articulating the extent of your damages and losses resulting from the auto accident.

Your attorney will skillfully articulate the medical expenses, property damage, lost wages, pain and suffering, and any other applicable damages you have incurred. The demand letter also presents an opportunity to provide supporting evidence and legal arguments to support your claim.

Initiate Legal Action

If negotiations with the insurance company fail to yield a satisfactory result, an auto accident lawyer can guide you through the process of initiating legal action. This step involves filing a lawsuit against the responsible party, which may be both the at-fault driver and the insurance company itself.

Your attorney will handle the legal aspects of the case, including preparing and filing the necessary court documents, gathering evidence, conducting legal research, and representing you in court proceedings. By initiating legal action, you take your case to a higher level, allowing a judge and potentially a jury to evaluate the merits of your claim.

Your lawyer will build a strong case on your behalf, utilizing their legal knowledge, experience, and resources to pursue the compensation you deserve through litigation. With their guidance, you can navigate the complexities of the legal system and maximize your chances of obtaining a fair resolution. 

For more info, contact a local auto accident attorney.