One of the most frustrating events for a person who is been injured in a car accident is dealing with the at fault party's insurance company. Most people recognize that the at fault party's insurance company it's not working for them and the insurance company is in fact trying to minimize its expenditures. In addition to minimizing expenditures, the insurance company will sometimes take the position that they are not responsible for the injuries and damages you have suffered because there is some type of condition under the policy which excludes coverage. Many people are led to believe that because of an insurance coverage issue, they cannot recovery for the injuries they suffered in a car accident.
YOU MAY BE ABLE TO OBTAIN A RECOVERY FOR YOUR CAR ACCIDENT INJURIES DESPITE AN INSURER'S INITIAL DENIAL OF COVERAGE BASED UPON A POLICY EXCLUSION.
A coverage exclusion means that at-fault driver's insurance company is not going to pay anything for your personal injury voluntarily. In order to obtain any recovery for your injuries incurred as a result of a car accident where the at-fault driver's insurance company refuses coverage based upon a policy exclusion, your lawyer generally must file a lawsuit.
After you file a lawsuit against their insured, they will be responsible for answering and defending their insured and, possibly, filing a declaratory judgment action to determine their responsibilities under the insurance policy. Obviously, all these actions by the insurance company requires them to expend funds and depending upon the potential exposure of the insurance company, the injuries to you, and the overall costs of defending the claim, you may be able to obtain a decent recovery despite the potential insurance coverage issue.
UNINSURED MOTORIST COVERAGE IN YOUR INSURANCE POLICY MAY PROVIDE HELP EVEN IF THE AT-FAULT PARTY ESCAPES FINANCIAL RESPONSIBILITY.
Most auto insurance policies include, at least, minimum uninsured/underinsured motorist coverage in the event that the party that caused a wreck and your injuries does not have any or sufficient coverage.
If you have questions about insurance coverage following a car accident or if an insurance company has indicated that they are refusing to provide coverage for a car wreck in which you were hurt, call The Sessions Law Firm. We welcome the opportunity to speak with and to offer advice about how you may be able to get through this difficult situation and obtain the recovery that you deserve.