Dealing with car insurance claims after an accident can be overwhelming, especially when insurance companies delay, deny, or undervalue your claim. These issues can add to the stress of recovering from an accident, leaving victims feeling unsure about their rights or next steps.
That’s where a car insurance claim lawyer can help. At Freeburn Law, we understand the tactics insurance companies use to minimize payouts, and we’re dedicated to protecting victims across Pennsylvania. If you’ve been injured in a car accident and your claim isn’t being handled fairly, our experienced attorneys can guide you through the process and fight for the compensation you deserve.
Common Insurance Tactics That Hurt Your Case
Insurance companies are businesses, and their goal is to protect their bottom line. Unfortunately, this often means using tactics that harm your claim, such as:
- Offering a Low Initial Settlement: Insurers may try to pay as little as possible by undervaluing your damages.
- Blaming You for the Accident: Insurance adjusters may argue that you were partially or fully at fault, reducing or denying your claim.
- Requesting Excessive Documentation: Asking for unnecessary paperwork can delay the process and cause frustration for victims.
- Pressuring You to Settle Quickly: Insurers might pressure you to accept an offer before you fully understand your injuries or medical needs.
- Misinterpreting Policy Language: Companies may exploit confusing terms to deny your claim unfairly.
These tactics are why it’s essential to consult with a car insurance claim lawyer, especially if you’re facing resistance from your insurer.
When to Call a Lawyer After a Car Accident
Understanding when to contact an attorney is crucial. Here are situations where involving a lawyer is especially beneficial:
- Your Claim Is Denied: If your insurance company refuses to pay, an attorney can investigate and help you dispute the denial.
- Your Claim Is Delayed: Payment delays can lead to mounting medical bills and financial strain. A lawyer can push for faster action.
- The Settlement Offer Is Too Low: Legal representation ensures you don’t settle for less than you deserve.
- Fault Is Disputed: If the at-fault driver’s insurance company denies liability, an attorney can gather evidence to build your case.
- You’re Dealing with Serious Injuries: Severe or long-term injuries often require extensive compensation, making legal help indispensable.
The sooner you contact a personal injury attorney after a car accident, the better your chances of protecting your rights and recovering fair compensation.
What to Do if Your Car Insurance Claim Is Denied
Denials aren’t the end of the road for your claim. If your insurer has refused to cover your damages, here are some steps you can take:
- Review the Denial Letter: Understand why your claim was denied. The letter should outline the reasons, whether it’s lack of coverage, insufficient documentation, or disputing fault.
- Gather Documentation: Collect all documents related to your claim, including police reports, medical records, photos of the accident scene, and witness statements.
- Contact an Attorney: A car insurance claim lawyer can assess the denial and advise you on how to proceed. They may identify violations of the law or policy language the insurance company misinterpreted.
- File an Appeal: Your attorney can file an official appeal with the insurer, outlining why the denial is unjustified and presenting evidence to support your case.
- Consider Legal Action: If the insurer refuses to resolve the issue through its internal processes, you may need to file a lawsuit. An experienced lawyer will represent your interests in court to ensure justice.
How Freeburn Law Can Help with Insurance Disputes
At Freeburn Law, we focus on advocating for accident victims—not insurance companies. Our skilled team of car insurance claim lawyers has extensive experience navigating Pennsylvania’s insurance laws to support clients dealing with denied, delayed, or undervalued claims.
Here’s how we help you fight for compensation:
- Investigating Your Case: We dig deep into the circumstances surrounding your accident, gathering evidence to strengthen your claim.
- Dealing with Insurance Adjusters: We handle all communications with the insurance companies, so you don’t have to worry about tactics meant to minimize your payout.
- Appealing Denials: If your claim has been denied unfairly, we know how to challenge insurers and push for reconsideration.
- Litigating When Necessary: When negotiations don’t yield fair results, we’re prepared to take your case to court to fight for your rights.
- Ensuring Compliance with Deadlines: Filing claims and lawsuits requires meeting strict deadlines. We keep your case on track, so you don’t lose your right to compensation.
At Freeburn Law, we treat each case with the individual attention and care it deserves, fighting tirelessly to protect your interests.
Contact a Pennsylvania Car Insurance Claim Lawyer Today
If you’re struggling with your car insurance claim, you don’t have to face the process alone. Freeburn Law’s experienced attorneys are here to provide the guidance and support you need to protect your rights and secure fair compensation.
Call us today at (717) 777-7777 or visit our contact page to schedule your free consultation. Our team is deeply familiar with Pennsylvania’s insurance laws and has a proven track record of helping clients achieve positive outcomes. Contact Freeburn Law to get started today.
Frequently Asked Questions
How long does an insurance company have to respond to a claim in PA?
Pennsylvania law requires insurance companies to acknowledge your claim within 10 working days and provide a written decision within 30 days. If they need more time, they must send a notice every 45 days explaining why your claim is delayed.
Can I sue my car insurance company for not paying my claim?
Yes. If an insurance company acts in bad faith by denying or delaying a valid claim, you can file a lawsuit under Pennsylvania law to recover damages. These may include compensation for your losses, legal fees, and even punitive damages.
How much does a car insurance claim lawyer cost in Pennsylvania?
At Freeburn Law, we work on a contingency fee basis. This means you pay nothing upfront, and we only collect a fee if we recover compensation for you.
What if the at-fault driver’s insurance denies liability?
If the other driver’s insurer denies responsibility, we’ll conduct a thorough investigation to gather evidence of fault. We’ll also pursue compensation through your own policy if applicable, such as uninsured or underinsured motorist coverage.
