In most cases, a car insurance provider will prefer to settle a claim out of court. However, there are some cases where an insurance provider will make no effort to settle a claim and you may need help from a car wreck lawyer to successfully negotiate a settlement and avoid going to trial.

Why Settling is Better Than Going to Trial

Going to trial can be much more time-consuming than settling and also costs more money. There are court fees you will need to pay for. A car accident case will also cause you to lose some privacy because your case will be a part of the public record. Finally, there is no guarantee that you will win your court case. 

Reasons Why Your Claim Might Be Denied

When the other driver is at fault for the accident and you are not in a no-fault state, you will need to provide a full description of the accident to the insurance provider. You will not want to wait too long before filing a claim because evidence can disappear over time and the insurance provider will be more likely to deny your claim, potentially believing that your claim is fraudulent.

If you wait too long to receive medical treatment, or if you do not have sufficient records that you received medical treatment, these can be other reasons for why your claim may be denied. However, in some cases, an insurance provider might simply attempt to not settle your claim in bad faith.

Bad Faith Tactics Used by Insurance Providers

An insurance provider is required to act in good faith toward the policyholder, which is the at-fault motorist who has a policy with the insurance provider. However, in an effort to save money or simply out of incompetence, some insurance providers will not act in good faith. 

When an insurance provider is acting in bad faith, they may choose to deny your claim without citing a valid reason. They may simply hope that you believe their assessment that your claim is not valid. If they are not able to trick you into giving up, they may offer a much lower settlement offer than your claim is worth. They may even misrepresent the law or the policy language.

Fortunately, a car wreck lawyer will know the law and will be able to fight back against a bad faith insurance provider so you can receive the compensation you deserve.

Contact a car wreck lawyer in your area for more information.