Can You Sue Your Insurance After an Auto Accident?

If you get into an accident (specifically one that’s not your fault), your insurance owes you a duty to compensate you for injuries and property damages. However, in many cases, insurance providers fall short on their side of the bargain. Insurance companies will often find ways to deny or underpay claims by: 

  • Contesting the cause of the injuries 
  • Disputing the extent of your injuries, or  
  • Claiming a lack of evidence to establish fault 

Many insurance companies are known for denying claims in bad faith or neglecting to properly investigate a claim before issuing a denial. Further, insurance companies are much more likely to take advantage of claimants who are not represented by a formidable auto accident lawyer. 

If you’ve been involved in an accident and your insurance company denies your claim or makes a lowball offer, you have options. Contact Schrier Law Group at 1-800-700-7285 for your free initial consultation with a proven auto accident lawyer

Why Would You Sue Your Car Insurance After an Auto Accident? 

Car insurance can help to pay for medical bills, property damage, and other expenses in the event of a collision. However, in many cases, insurers make lowball offers, refuse to pay out viable claims, and use bad faith practices when dealing with auto accident claimants. 

The most common reasons to sue your own car insurance company include: 

  • The driver that causes the accident doesn’t have insurance, you have Uninsured and Underinsured Motorist (UM/UIM) coverage, and your insurance refuses to pay your damages or makes a low settlement offer. 
  • The driver that causes the accident doesn’t have adequate insurance to cover your damages, you have Uninsured and Underinsured Motorist (UM/UIM) coverage, so you pursue additional damages through your policy. 

If your insurance company neglects to hold up its end of the bargain, you have options. Working with an experienced auto accident lawyer can drastically improve your odds of getting maximum compensation for your injuries and damages. 

Continue reading to learn more about a recent successful personal injury suit against a major insurance provider in the next section. 

Case Study: Ryan J. Burke v. Hernando Lancheros and VL Auto Transport, Inc.

In 2016, Ryan Burke was heading westbound on the I-4 in Orlando. Suddenly, he was struck by a tractor-trailer (going in the opposite direction) and subsequently collided with a concrete barrier. Seconds later, another westbound vehicle rear-ended Mr. Burke. 

Mr. Burke suffered serious back injuries due to the collision. With the help of his auto accident lawyer, Ryan Burke sued his employer, the driver of the tractor-trailer, the employer of the driver, and his insurer (Horace Mann Property & Casualty Insurance Co.) to recover his underinsured-motorist benefits

Fortunately, he hired a skilled Florida auto accident lawyer to represent him. Mr. Burke’s auto accident lawyer successfully negotiated a settlement north of $6 million. If he didn’t hire a proven auto accident attorney, it’s not as likely that he would have received maximum compensation (especially without going to court). 

Should I Sue My Insurance Company After a Car Accident? 

In most cases, a lawsuit is not necessary. However, it’s recommended that you hire an auto accident lawyer to help you negotiate with your insurer. Insurance companies are notorious for making low-ball offers, denying viable claims, and hindering all attempts to receive maximum compensation for injuries and damages.

An experienced auto accident attorney will ensure that your losses are well-documented, all of your forms are submitted without error, and aggressively fight for the maximum damages you are owed. In the event that your insurer still refuses to pay you fair compensation (even after hiring a lawyer), your auto accident lawyer can file suit. 

Further, an attorney can play an instrumental role in pursuing damages from all parties involved in the collision. Attempting to recover damages from multiple parties is generally a complex task reserved for the most skilled personal injury attorneys. 

Contact The Best Auto Accident Lawyer in Florida Today

Our auto accident lawyers at Schrier Law Group let our results speak for themselves. To date, we’ve recovered more than $500 million for accident victims in Florida. We take pride in standing up to the insurance companies, asserting our client’s rights, and pursuing maximum compensation for every client. 

If you’ve been injured in a car accident due to no fault of your own, it’s in your best interest to consult with the best auto accident lawyer for your circumstances. Negotiating with insurers on your own can lead to: 

  • Delayed settlements 
  • Denied claims 
  • Low-ball offers

Contact Paul today at 1-800-700-PAUL for your free initial consultation with a proven Florida personal injury lawyer.