MINNEAPOLIS, Minnesota. If you have been in an accident and are seeking a claim from either your insurance company or the company of the negligent driver, you may find yourself facing a denied insurance claim. Even if your claim may not be denied, you may find yourself speaking to an adjuster who may not be offering you what you believe to be the full value of your claim. The Law Office of Martin T. Montilino is a car accident attorney in Minneapolis, Minnesota who can assist accident victims who are having trouble receiving a claim from their insurance company. When the company won’t pay or balks at paying the full price of your claim, you need the Law Office of Martin T. Montilino.
Insurance adjusters have a duty to fulfill their obligations to you under the terms of your insurance policy. They have a duty to act in good faith. According to Claims Journal, a good insurance adjuster will document the damage, seek evidence of your medical expenses and lost wages, and work to seek a fair resolution for your claim. Many adjusters work hard to help you see your case resolved to a fair and reasonable conclusion. But there are times when an adjuster and an accident victim may disagree. There are several cases where your claim may be denied. These can include:
- Your insurance adjuster disagrees with you about the value of your medical expenses and damages.
- Your insurance adjuster claims that your policy doesn’t cover the damages you are seeking.
- Your insurance company claims another party is responsible for paying the damages.
Facing a denied claim or getting a lower claim than you expect can be stressful, frustrating, and challenging. However, there are some instances where claims are legitimately denied. For instance, according to Nasdaq, a claim can be denied if you exhaust your coverage limits. If you violated the terms of your policy, your claim could also be denied. For instance, if you used your car for a ride sharing service, under certain policies, your insurance can be invalidated.
However, there are times where insurance adjusters may use formulas, software, or estimates, rather than actual figures to determine the value of a claim. In this case, individuals may actually be offered a lower sum than they may deserve. Many victims may not be aware that adjusters often have room to negotiate a settlement and sometimes the initial sum may not be the full amount that you may be able to ultimately collect. Providing proper evidence and understanding how much your accident case is worth can be helpful. An accident lawyer can also help you understand your rights and what compensation you should be able to legally seek under the law.
Read and understand your policy. If you still believe that your claim is being unfairly handled, you may want to visit the personal injury lawyers at www.martinmontilino.com. Our lawyers can review your policy, speak to insurance adjusters, and fight for your rights either inside or outside of court.