My Car Insurance Denied My Claim. Now What?

This video features Mike Maxwell, a Personal Injury attorney based in Washington.

Attorney Mike Maxwell | 888-981-0042 | Free Consult

"Insurance companies will only pay claims because of litigation or the threat of litigation."

Wondering what to do after your car insurance denies your claim?

Mike Maxwell is an injury attorney with the Maxwell Graham law firm in Issaquah, Washington. In this video, he explains that it’s crucial to contact an attorney as soon as your insurance denies your claim. Your ability to successfully receive your claim through court depends on how well you can present your case, and you need an attorney who is experienced in your corner as you seek that claim.

To learn more, contact the attorney directly by calling 888-981-0042 or by submitting a contact form on this page. There is no charge for the consultation, and you never owe any out-of-pocket attorney fees.

Key Takeaways From Mike Maxwell:

Insurance companies, says Maxwell, will never accept a claim—or give you any sort of monetary compensation—because they want to. They don’t pay insured consumers because they feel bad for them, or because they think it’s the right thing to do, or because they personally decide they need to. Their primary concern as a business is making money, and they will only give claimants payouts if they are compelled to by litigation or the threat of litigation.

Insurance companies will only pay because they have to.

Insurance companies do not have your best interests at heart when they deliberate on claims, regardless of whether the claims are for low or high amounts. If your claim is denied, do not let your insurance attempt to brush you off or tell you that receiving a claim is impossible. Instead, contact an attorney for advice and potential next steps.

Litigation is what keeps insurance companies honest.

Maxwell states that about 1 percent of civil cases go to trial and, of the cases that are tried, they are litigated by about 1 percent of the legal field. These lawyers understand how these cases work, and many of them have received verdicts against insurance companies—and, more importantly, verdicts that support their clients. Insurance companies have, in high-profile or contentious cases, been made to pay out large sums of money to the consumers whose claims they previously denied.

These payouts keep the insurance companies honest. If there were no attorneys fighting for these cases, the insurance companies would have no risk in denying every claim that came their way, or in lowering claim amounts to nearly non-existent levels for the sake of profit. However, because of previous legal losses, they will more likely accept your claim if you attempt to litigate your case or make them aware that you are considering legal action. With the threat of a large payout over their heads, they are more likely to settle your claim quickly and fairly.

Insurance companies are in the business of collecting money, not giving it away.

The concept of insurance is based on the idea that you will pay a company a certain amount of money in the case of loss or damage, and they will pay you or those you owe money if that loss or damage occurs. Statistically, car accidents are common, but not everyone has a car accident—or, even if they do, it may not be serious. You could pay an insurance company a lot of money over many years for car insurance, but you might never need to file a claim. In these cases, the insurance company profits. Their business model is built on taking—and winning—the bet that you will not suffer great loss or damages, and they will not have to pay you. Then, they can keep your payments for themselves.

Attorneys will fight for your claims.

It would be difficult to fight an insurance company by yourself – you may have little or no legal experience, and you probably don’t know the processes and policies of the company. A lawyer can help you cut through difficult language and concepts and pinpoint why you should receive a claim, and what the insurance company should pay. They are there to match your skills in navigating new and complicated legal areas. In this way, you are more likely to receive the money you need and more quickly recover from a car accident or serious injury.

To learn more, contact the attorney directly by calling 888-981-0042 or by submitting a contact form on this page. There is no charge for the consultation, and you never owe any out-of-pocket attorney fees.

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