After you’ve been in a serious car accident, you may be under the belief that your car insurance payments are about to pay off. For a lot of drivers, this turns into wishful thinking. Of course car insurance helps you with the bills and you never want to be without it. This does not mean that the insurance will cover all of your expenses, however. There are still reasons to have an attorney, even when you think that your insurance has you covered. Here are some reasons you may need an attorney.
Your Deductible Is High
In minor accidents, it might be difficult to reach your deductible. Even in more serious accidents, insurance companies will sometimes lowball the repair costs so that they do not have to pay for your repairs. This means that you are left paying for any repairs to your vehicle.
The Other Driver Was Uninsured
While everyone is supposed to have some kind of insurance coverage, not every driver has it. If you are in an accident with an uninsured driver and you do not have uninsured motorist coverage, then the company will not pay you anything. Likewise, if you let someone drive your car and that person is not covered under your policy and he or she is in an accident, then the insurance company can deny your claim.
Application Inconsistencies
When it comes to car accident claims, the insurance company will look over your application closely. Often, the company will look for any inconsistencies or any mistakes. If you lied on your application or simply didn’t mention something and the company finds out about it, he or she can use it to cancel your policy or deny your claim. It’s crucial that you are thorough and honest on your application. If you are not, however, then you may be saddled with the car accident bills.
In the best-case scenario, your insurance policy will cover all of your auto repairs and medical bills following an accident. Unfortunately, this is not always the case for drivers. After a car accident, you do not want to assume that everything will be covered. After all, receiving a bill later will be a lot harder to swallow if you weren’t expecting it. This is why it’s crucial that you speak to a Philadelphia car accident lawyer. Consultations are normally free and most work on contingency fees, so there’s no reason not to set up a consultation as soon as possible.
Thanks to Wieand Law Firm, LLC for their insight into personal injury claims and why to hire a lawyer.