“Help, my Insurance Company Refused my Claim!” Attorney Ben Schwartz discusses a very real problem with the car insurance industry and car accidents.
I’m Attorney Ben Schwartz.
Today, I’m going to answer a viewer question: “I contacted my insurance company after a car accident to open a claim and they refused. They said to use the other driver’s insurance information. Is that right?”
If you’ve been injured in an accident in Delaware or Maryland (where I practice law), you should contact your insurance company and tell them to open a claim and give you a claim number. They have no business refusing to do that if you’re reporting a legitimate automobile accident. You want them to be available to provide you with medical payment benefits under your personal injury protection insurance on your automobile policy. You want them to be available to repair your car or declare it a total loss and pay you the fair market value. If you have collision coverage on your policy, you don’t want to have to rely on the other driver’s insurance claim or the other driver’s insurance company because they may not cover you for things that you need. In other words, they may not cover you for your medical treatment. That is up to your insurance company.
If you have a situation where your insurance company refuses to provide you with an open claim and your insurance company refuses to provide you with a claim number after your auto accident, the first thing you should do is take that as a warning sign and give a call to your personal injury attorney who can help you with your claim.
I’m attorney Ben Schwartz. I hope that you found this video informative and helpful. If you have questions about personal injury law insurance law or automobile accidents, please send me an e-mail or leave us a message through our Facebook page. It’s important that you know your rights under the law.