Your insurance company is your friend.
What person of any requisite age or experience in Colorado or anywhere else would wholeheartedly subscribe to that viewpoint?
It is certainly true that most of us pay premiums on various types of policies and have a general sense — a hope, if you will — that our insurers will always act with dispatch and in good faith to honor the claims we present.
Often they do, of course, but just as often there is, well, a bit of recalcitrance on their part to quickly step forward and comply with spelled-out contractual duties.
In today’s post, we spotlight a particular type of crash injury and related insurance topic of highest importance where crash victims sometimes receive headaches rather than timely payouts following their injuries.
As we note on a website page at Flesch & Beck Law discussing hit-and-run accidents and their aftermath, “The average person will encounter delays, lowball offers or a flat denial” from their insurer if they are injured in a hit-and-run crash involving an uninsured or underinsured motorist claim.
That should never happen, but there is certainly anecdotal confirmation and reams of empirical data showing that it does.
In other words, your insurance carrier might balk in the wake of your claim if the driver who hit you can’t be found or is discovered to have inadequate insurance. The carrier might eventually come around, but it sometimes takes knowledgeable and aggressive advocacy from a proven motor vehicle accident attorney to help ensure that it does.
Many accident victims have policy coverage that precisely addresses situations where another motorist has caused an accident and lacks sufficient coverage to pay for the damages.
The bottom line with hit-and-run insurance claims is that they can be complex and met with some resistance by one or more carriers.
An experienced personal injury attorney will know how to identify and sort through the details of all relevant insurance policies following a vehicle-related injury. A proven advocate will also take whatever legal action is necessary to help ensure that insurers and other defendants comply with all legal duties that are incumbent upon them.