Can You Sue a Car Insurance Company After a Car Accident?

You may want to know if you can sue an insurance company after a car accident, particularly if you suspect they are taking advantage of the situation. The aftermath of a car accident can be a whirlwind of emotions and uncertainties. You might be dealing with physical injuries, property damage, and mounting medical bills.

This guide will help you understand your options following a car accident. It’s important to remember that every situation is unique, and consulting with an experienced attorney is always recommended to navigate the legal specifics of your case. Remember, a Phoenix car accident lawyer can help you understand the physical, emotional, and financial toll an accident can take.

Can You Sue an Insurance Company After a Car Accident? And How?

The world of car insurance can feel complicated, especially after an accident. You may have the option to take legal action against the at-fault driver’s insurance company. Here’s a breakdown of some situations where suing an insurance company might be a possibility:

Denial of Your Valid Claim

If the insurance company completely denies your claim, even though you have a valid policy and weren’t the one who caused the accident, you might have grounds for a lawsuit. This situation can be frustrating, and a Phoenix personal injury lawyer can help you understand your policy and fight for the coverage you deserve.

Unfair Settlement Offer

Suppose the insurance company offers a settlement amount that falls significantly short of covering your accident-related expenses, like medical bills, lost wages, and car repairs. In that case, an attorney can help you dispute the offer and argue for a fair compensation amount.

Bad Faith Insurance Practices

In some cases, an insurance company might act in “bad faith” by intentionally delaying tactics to weaken your claim, failing to investigate the accident properly, or denying coverage without a reasonable explanation. If you suspect bad faith practices from the insurance company, a personal injury lawyer can advise you on legal action to hold them accountable.

If you’re unsure whether you have a valid case against the insurance company, consulting with an experienced car accident lawyer is a wise step. They can review the details of your situation and advise you on your legal options moving forward.

For a free legal consultation, call 866-499-8989

How Can a Lawyer Help When an Insurance Company Isn’t Playing Fair?

Dealing with a car accident can be stressful enough, and encountering the insurance company refusing to pay your claim can add another layer of frustration. If you feel the insurance company is not treating you fairly following your accident, a personal injury lawyer can be a valuable asset in your corner. Here’s how an attorney can assist you:

• Understanding complex legal issues. Car accident law can involve intricate details related to insurance policies, accident statutes, and various types of damages.
• Negotiating a fair settlement. Insurance companies often have teams dedicated to negotiating settlements. An attorney can represent you throughout the negotiation process, advocating for maximum compensation for your accident-related losses.
• Building a strong case. A lawyer will work diligently to gather evidence to support your claim. This might involve collecting police reports, medical records, witness statements, and photographs of the accident scene and vehicle damage.
• Dealing with insurance adjusters. Insurance companies often employ adjusters who handle accident claims. These adjusters work for the insurance company, and their primary goal is to minimize payouts.
• Exploring legal options. Depending on the specifics of your situation, a Phoenix insurance claims lawyer can advise you on the legal options available to pursue fair compensation. This might involve negotiating a settlement with the insurance company or filing a personal injury lawsuit in court.

Remember, you don’t have to navigate this challenging situation alone. An experienced car accident lawyer can provide the guidance and support you need during this difficult time.

Damages You May Be Entitled to After a Car Accident

Depending on the severity of the accident and the resulting injuries, you might be entitled to compensation for various economic and non-economic damages to help you recover. Here’s a breakdown of some common types of damages you may be able to claim:

• Medical Costs. This includes all past, present, and future medical expenses related to the accident. This could cover ambulance rides, emergency room visits, doctor appointments, hospital stays, surgeries, physical therapy, medications, and any necessary medical equipment.
• Lost Wages. If you’re unable to work due to injuries sustained in the accident, you might recover compensation for lost income. This includes wages you would have earned during your recovery period and any potential future lost earnings if your injuries impact your ability to work long-term.
• Property Damage. This covers repair or replacement costs for your vehicle damaged in the accident. In some cases, depending on the severity of the damage, your car might be considered a total loss, and the insurance company would compensate you based on its fair market value before the accident.
• Pain and Suffering. This category recognizes the physical discomfort and emotional distress you experience due to the accident. It can encompass pain, suffering, anxiety, depression, PTSD (post-traumatic stress disorder), and loss of enjoyment of life due to your injuries.
• Loss of Consortium. In some cases, if your injuries significantly impact your relationship with your spouse, you might be eligible for loss of consortium damages. This compensates for the loss of intimacy, companionship, and other marital benefits resulting from the accident.

It’s important to remember that every situation is unique. The specific types and amounts of damages you may be entitled to will vary depending on the circumstances of your accident and the severity of your injuries. Consulting with a personal injury lawyer can help you understand your rights and determine the fair compensation you deserve following a car accident.

Click to contact our personal injury lawyers today

Talk to an Experienced Car Accident Lawyer at Zanes Law Today

If you’ve been injured in a car crash and believe the insurance company is not treating you fairly, don’t hesitate to consult with an experienced car accident lawyer. Here at Zanes Law, we understand the physical, emotional, and financial challenges an accident can cause. We are committed to helping accident victims understand their rights and pursue fair compensation for their losses.

We understand that financial burdens shouldn’t add to your stress after an accident. That’s why we offer free consultations with our car accident lawyers. During this confidential meeting, you can discuss the details of your case and explore your legal options with absolutely no obligation to move forward. 

Contact us today to schedule your free consultation and take the first step toward getting back on your feet.

Call or text 866-499-8989 or complete a
Free Case Evaluation form

Car Accidents Blog Posts:

Why Bruce Jenner’s Accident is a Lesson for ALL Drivers Out There

Every media outlet has a scope on the recent and fatal Bruce Jenner car crash.  Many accounts have recalled the incident in varying detail but none look promising for any party involved including the

Phoenix Light Rail Crash

A very major and scary crash recently closed down a major Central and Indian School Road intersection. Although the crash has long been cleared since Saturday, the collision between a

Tracy Morgan Lawsuit Finally Settles

Many fans of the famous (now ended) sitcom, 30 Rock, anxiously followed the news after beloved actor and comedian Tracy Morgan was involved in a trucking accident. A Walmart tractor-trailer

And Then It Happens To You… A Car Accident.

An accident victim who was injured in a car accident in Tucson, Arizona describes her experience in this guest post. You hear about them all the time. You have even witnessed some right in