A Mobile, AL, Car Accident Lawyer Can Assist You with Your Insurance Claim
You pay premium fees every month, and now that you’ve been in an automobile accident, the insurance company is giving you a difficult time. What should you do? Our team of Mobile, AL, car accident lawyers knows how tedious and straining it is to file a car accident claim, and we can help.
You don’t have to walk through the legal journey alone. Our team can review your case and see what legal opportunities you may have for your car accident case.
What Is Car Insurance?
Car or auto insurance is financial protection that covers expenses in the event that you’re involved in a collision. The amount of coverage you have in an automobile accident will depend on the type of policy you have with your insurance company. Auto insurance can cover property damage, medical expenses, and liability. However, even if you have car insurance, it can still be challenging to file a claim with your insurance company.
The Insurance Tactic Most Consumers Don’t Know
We want to believe our insurance company has our back since we pay a premium every month, but many times, they don’t have our best interest in mind. In numerous cases, the insurance adjusters will use a certain tactic known as “delay, deny, and defend,” in hopes that they can pay out as little as possible. As an insurance policyholder, it’s vital you’re aware of this tactic and how to proceed after being involved in a car wreck.
Delay
The insurance company will attempt to delay any form of payment for your claim, which may mean you’re stuck paying out-of-pocket for expenses. Insurance companies are aware of the specific time constraints when filing a claim. In some cases, the insurance company will purposefully send out incorrect paperwork and blame the person, which can delay their claim.
Deny
In countless cases, an insurance company will deny you have a claim, which is why you must firmly establish who is held liable for the accident.
If the other driver was liable for the collision, you have to prove that the driver was negligent and their negligence caused the collision. The insurance company may attempt to argue that you’re partly at fault in order to reduce their payout amount or, if possible, pay nothing at all.
Defend
Insurance companies know most people are afraid to go to court, which can mean they will be more willing to settle the case before trial is necessary. Auto insurance companies also know that people may hesitate to hire legal representation, and this can mean a quick settlement and low payout.
If you or a loved one have been harmed in an auto accident, our Mobile, AL, car accident lawyers can help you navigate the legal system. Our team has the experience necessary to fight against the common “delay, deny, and defend” tactic used by many insurance companies to help you receive the compensation you deserve.
Car Insurance Requirements in Alabama
Although car insurance companies can be difficult to work with, auto insurance is a necessity when you drive a vehicle. Every state has certain car insurance requirements, and in Alabama, a driver is required to have liability insurance. According to the Department of Motor Vehicles:
Your liability coverage must include the following minimums:
- $25,000 for bodily injury or death per person.
- $50,000 total for bodily injury or death per accident.
- $25,000 for property damage.
Although Alabama requires certain minimums, you have an option to add additional protection to your insurance policy.
When I File a Claim, What Can Compensation Cover?
When you file a claim for damages and injuries caused by an automobile accident, you may be eligible to receive compensation. Compensation can cover the following:
- Medical bills
- Pain and suffering
- Property damage
- Future medical expenses
- Wrongful death
- Lost wages
Compensation is determined by various factors including the extent of your injuries and the medical treatment required to treat your injuries.
Contact Our Knowledgeable and Trusted Attorneys
Long & Long in Mobile, AL, knows how insurance companies use tactics like “delay, deny, and defend” against their customers. This is why you need a knowledgeable and trusted attorney to help you file your car accident claim. We will handle the intricate details of your case and ensure the insurance company is treating you fairly, so you can focus on recovery.
Our personal injury lawyers are ready to help you through the legal process. We understand you may have countless questions about your case, and we are ready to answer those questions. We are dedicated to seeing our clients receive the justice they rightfully deserve.
When you have our Mobile, AL, car accident lawyers fighting for your legal rights, you won’t have to worry about an insurance company’s schemes. Call our law firm today at (251) 432-2277 or fill out our free case review form.
