Automobile Insurance Cover and Conflicts

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Most Common Personal Injury Law Issues:

What is Automobile Insurance?

Car insurance is required in most states. It is a contract between you and your insurance provider where you agree to pay a monthly premium and, in exchange, the insurance company agrees to pay your losses in the event of an accident so long as they’re covered by your insurance policy. Some states impose severe penalties if you are involved in a car accident and don’t have auto insurance.

What Does Automobile Insurance Cover?

Auto insurance coverage depends on the type of policy you purchase. There are six primary types of coverage included in your policy. They include the following:

Examples of Car Insurance Conflicts

Suing Your Insurance Company

Car insurance companies must follow a vast array of laws to ensure that they are not abusing their power and position and taking advantage of their customers. The laws are especially stringent because most states have minimum car insurance requirements. The two general legal principals that commonly arise are consumer protection and contract law.

Some common insurance claims include:

 Whether you can file any of these claims depends on the state where the policyholder lives.

Contacting an Attorney

If you believe you need to file a claim against your insurance company, it is best to contact a skilled contract attorney. Insurance companies will occasionally deny a claim that they should have paid for. If this happens to you, you'll probably have to sue the insurance company for bad faith. You might also have to sue the other driver. Having an attorney on your side who is knowledgeable about the laws in your state can help you favorably negotiate your claim and ensure the insurance company covers your claim.

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Last Modified: 08-29-2017 09:50 PM PDT

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