It is very common for insurers to refuse to pay on claims/cases that involve minimal property (car) damage. So, we frequently hear from clients that “My car had little damage, but I was hurt. Why won't the insurance company pay me?” These types of claims can be extremely frustrating for people injured in car wrecks that simply want to get a fair shake from the insurance company of the at-fault driver (or your uninsured motorist carrier).
IF YOUR CAR HAD LITTLE DAMAGE AFTER A CAR WRECK, THE INSURER WILL INEVITABLY ATTEMPT TO DEVALUE YOUR INJURIES.
When an insurance company or an adjuster working for an insurance company evaluates a claim involving relatively minimal property damage, the adjuster will inevitably attempt to devalue the severity of injuries incurred as a result of the accident. They are, in all actuality, calling the injured party a liar, and the insurer is saying that the injuries either are not real or they were suffered as a result of another incident. The insurer's position is that an collision with relatively minimal impact damage could not have caused the injuries claimed. Generally, it is thought that insurers look at wrecks involving property damage of less than $1500 as being “low-impact collisions”. (This is an important reason to consider having property damage inspected for internal – not superficial – damage.)
IF YOUR CAR HAD LITTLE DAMAGE AFTER A CAR WRECK AND THE INSURER IS NOT BEING FAIR WITH YOU ABOUT YOUR INJURY CLAIM, IT MAY BE AN OPPORTUNITY FOR YOU.
It is extremely frustrating for an insurance company to say that they injuries that you are suffering through are not real and that they are not worthy of even moderate levels of compensation. We know that this can really take a toll on people. However, when an insurance company takes this type of stance, we have to be mindful that the insurance company is not the final decision maker about the value of your injuries, and it may very well be that a jury will be really upset about the insurance company calling a good person who was injured through no fault of their own, a liar.
If you have been injured in a car accident, call The Sessions Law Firm today for a free consultation.