When accidents occur, many drivers assume that their full coverage means the insurance company will pay promptly. Unfortunately, this is not always the case. Insurance companies sometimes deny or delay legitimate claims. This may stem from corporate mismanagement, errors in documentation, or a disagreement about the amount of money owed.
Insured drivers must take the reins and assert the right to full payment. This means reviewing the insurance policy, identifying coverage limits, and maintaining a record of vehicle valuation and repair estimates.
For cases in which the insurer is treating a claim unfairly, drivers may file a breach of contract lawsuit or a bad faith tort claim related to the contract. If the insurance company offers a partial payment or stops progress on the case, drivers should contact an experienced trial lawyer.