Car Accidents And How A San Bernardino Car Accident Lawyer Can Help
A real problem area in which a team of experienced San Bernardino accident lawyers can help is in the case of an insurance payment issue. Unfortunately, non-payment or under payment of legitimate insurance claims is a real problem and is sadly on the rise. This could be for a number of reasons but the way insurance carriers work is like any other business in that they are doing it to make money. This means that that at best, they will try to bring in as many premium payments as possible, whilst at the same time paying out as little as possible on claims. This in itself is in no way an illegal practice and is in fact, how most insurance companies operate. However, it becomes illegal when a legitimate claim has been underpaid or denied for no specific reason. This is known as ‘insurance fraud’ or ‘insurance bad faith’. If you believe that you have had a completely legitimate claim unjustly denied for no specific reason, then be rest assured that a San Bernardino attorney can help.
Insurance bad faith can appear in a number of guises and the companies or unscrupulous insurance adjusters who do this can be fairly sneaky. So with this in mind, here are some of the ways in which insurance bad faith can operate.
Quite often insurance carriers will deliberately delay or lose paperwork so that the claim doesn’t get processed in time in order to fit in with the state statute of limitations. If an insurer asks you to refill in a form that you have already sent, or to fill in paperwork that is not deemed necessary then you would probably be right to be wary.
Unscrupulous insurers will often simply underpay a claim to the extent that it is nowhere near sufficient in order to cover the cost of repair or replacement to your vehicle. They will cite some stipulations that prevent them from paying out the full amount, that to all intent and purpose are illegal. In this situation it is always best to read the small print on the insurance document.
An insurance company may well deny payment on some false pretence and this could also happen as a result of a simple oversight on behalf of the adjuster. Either way, you would have grounds for recourse.
So what can a San Bernardino car accident lawyer do?
In essence, a skilled lawyer can take on the case and if successful the court can instruct the insurer to pay out the claim in full. On top of this the client (through their represented attorney) is quite within their rights to file for other damages that are taken out directly against the insurance carrier. Compensation claims such as financial coverage for any stress and trauma caused to the plaintiff plus any punitive damages can be taken out against the insurer. Also the client can ask for all court and attorney costs to be paid for by the negligent party.
As you can see, being involved in a car accident can be a very traumatic experience, and this is when some people will take advantage of a situation to the detriment of the victim. If you feel that you need assistance or are simply unsure of your rights, then contact a San Bernardino car accident lawyer as soon as possible. They will apply their skills to deliver the full and fair result that you deserve, every single time.