You have caused an automobile accident. What are your rights and obligations towards your insurance company?
First, you must notify your insurance company as soon as possible. Notify your insurance company even if you don’t think you caused the accident. Your insurance company cannot raise your premium for filing a claim for which you are not at fault.
Second, once it is notified, your insurance company has an obligation to conduct a prompt investigation. Generally speaking, this means the insurance company must conclude its investigation within 30 days of receiving notice of the claim.
If you have injured someone in the accident, your insurance company has an obligation to promptly settle the claim. If the value of the injuries are more than your insurance limits, your insurance company has an obligation to settle the claim within your insurance limits. If you are sued and even if the suit is false or fraudulent, your insurance company must hire and pay for an attorney to represent you in the lawsuit.
The bottom line is that the insurance claims process can be confusing but your insurance company should be considering your interests at least equal to its own interests. If you think your insurance company is treating you unfairly, call (888) 640-0835 for a free consultation concerning your rights and obligations when dealing with your insurance company.
May 6th, 2013
A bill passed last week bars out-of-state professional athletes from filing workers' compensation claims for cumulative trauma injuries in California. In the past, professional football, basketball, baseball, hockey and soccer players from other teams have filed workers' compensation claims in... Read more
April 22nd, 2013
A teenage driver, suspected of driving under the influence of drugs, was arrested and sent to the Clark County Detention Center April 1 after his car sailed through the air and landed onto a restaurant patio filled with diners eating... Read more
April 4th, 2013
Insurance policy holders in Nevada recovered $3,998,508 from insurance companies that were forced to pay consumers who filed complaints against the companies.
The announcement was made last month by the Nevada Division of Insurance. The Division is a consumer protection agency... Read more