Can I sue my own insurance company?

When you buy auto insurance, you anticipate that your coverage will safeguard you in the event of an accident.

Nevertheless, if your car insurance company falls short of fulfilling its responsibilities post-accident, you may wonder, “Can I sue my own insurance company?”

The response is yes you can.

Suing your car insurance company can be tricky though.

So having a skilled personal injury lawyer is crucial to help you understand and navigate the process.

In this article, we’ll look into when you can sue your car insurance company and what factors might affect how your case turns out.

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Can I sue my own auto insurance company?
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Can I sue my own insurance company?

You can sue your own insurance company after a car crash if the other driver doesn’t have insurance or doesn’t have enough to cover your injuries and damages.

It’s called Uninsured and Underinsured Motorists Benefits (UM/UIM).

If you’re hit by someone without insurance, UM coverage pays for your medical bills and more.

If the other driver doesn’t have enough insurance, UIM coverage helps with extra costs.

First, you need to file a claim with your insurance.

If they reject your claim or can’t settle with the other driver’s insurance, you might be able to sue to get the money you deserve.

At what point can I sue my own auto insurance company?

You might have a reason to sue your car insurance company if they don’t treat you fairly during insurance claims process.

Unfair actions could include:

  • taking too long to review your claim
  • not giving you the right information about your policy
  • asking for unreasonable proof of damages
  • not paying enough for your claim or
  • refusing valid claims.

How can I initiate a claim with my own insurance provider?

If you have to tell your insurance company about an accident, start by giving them a call and sharing the details.

Make sure you’ve got all the important info ready, like when and where it happened, and the names of any witnesses.

Once they have everything they need, your insurance company will look into the claim to figure out who’s at fault.

But, don’t rely on the insurance folks to tell you about all the benefits you can get, even if it’s your first claim.

It’s better to talk to a lawyer who can go through your policy and let you know all the car insurance benefits you’re entitled to.

What benefits can I get if I sue my insurance company?

You can get various advantages if you sue your own auto insurance.

For instance; coverage for car damage, medical bills, personal injury protection, and protection if the other driver doesn’t have enough insurance, along with towing and labor coverage.

If you got hurt in the accident, your own policy can provide compensation for both financial losses and non-financial losses.

Financial losses involve medical expenses and lost wages, while non financial losses involve non-money stuff, like pain and suffering.

To make sure you get all the benefits you deserve, it’s smart to have a good lawyer helping you out.

A photo illustration of "Can i sue my own auto insurance?"
Can i sue my own auto insurance?
Source: automoblog

Will my insurance costs go up if I make use of Underinsured or Uninsured Motorist Benefits?

It’s not easy to give a straight answer because it depends on a few things.

The kind and amount of coverage in your insurance can affect whether your premiums go up.

If you only have liability insurance coverage, then your premiums might increase a lot if you use the uninsured or underinsured motorist benefits from your policy.

However, if you have a full coverage plan that includes extras like roadside help or forgiving accidents;

Using your uninsured or underinsured motorist benefits might not lead to a significant rise in your premium costs.

It’s wise to talk to an insurance expert or contact your provider directly before deciding to use these benefits.

This way, you can get a clearer picture of how any possible premium increases could affect your overall budget.

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