When you’re involved in a collision, you expect that your insurance company will help you. You want them to fight for your best interests and to give you the compensation that you need.
Unfortunately, your car insurance provider isn’t really on your side. The policy itself provides you with certain protections, but the insurance company itself may try to get you to settle for as little as possible. In the insurance company’s mind, saving money is the goal. In yours, getting all you deserve is.
Your agent isn’t on your side even if they’re a part of your team
It’s normal to have to work and interact with auto insurance agents when you’ve been in a crash, but you should be aware that they aren’t really on your side and may not always have your best interests at heart. While they’re full of information about what to expect, they can’t be the one you rely on for honest input. Their job requires them to try to save the company money.
Instead, you may want to have your attorney contact the agent and make sure you’re treated fairly. An attorney who works with car crashes knows how to read through a crash policy and seek all the benefits you’re entitled to. Your agent can do this, too, but they are also in a position where their goal is to protect both sides, not just yours.
Insurance companies are businesses, but an attorney fights for you
Essentially, an insurance company is going to be looking at its bottom line any time a claim is made. That can make your life harder, which is why it’s a smart choice to have someone on your side who can fight for all the compensation that you deserve.
If your claim is denied unfairly or you’re offered a settlement that isn’t high enough, you can continue to negotiate or appeal those decisions. In fact, you can go as far as taking your insurance company to court if they’re not being fair, which is why it serves your best interests to know the laws that apply to your case.