So you’ve been involved in a car collision. Hopefully, it was not your fault and nobody died. Now, you have to deal with
- your damaged vehicle,
- with the pain and injuries you’re feeling,
- with missing time from work, just to name a few of the consequences of a car wreck.
The police report states you’re not the one who contributed to the collision, but the at-fault insurance company is refusing to pay for your damaged car, for your medical bills and for the time you missed from work. If this is your situation, you’re not left with many options. If your car insurance policy provides for it, you can try to file a claim with your insurance company. But if you only have liability insurance coverage, you can either pay for the medical bills and for the car out of your own pocket (you’re deciding to take a loss for a situation that was not your fault), or you can file a lawsuit against the insurance company who’s refusing to pay. Technically, it will be the person that caused the collision that will be named in the lawsuit. As a result, a lot of people are reluctant to file a lawsuit, and I understand that. It could be that the person who hit you was actually a very nice man or woman. However, the person who caused the collision will not be on the hook for any money up to his/her policy limits. It is his or her insurance company that will. The at-fault party’s insurance company will hire a defense lawyer and decide how the case will be handled, whether to settle or not. In fact, the insurance company seeks very little input from their insured (if any) in how the case should be handled. 90% of the time, if not more, the party that causes a car collision will not pay anything in damages to the injured party. It will be his or her insurance that will pay. And that’s how it should be. That’s why we all pay for car insurance. That’s why it’s there for.