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When you have an insurance policy, you might assume that you will automatically be entitled to compensation for your medical expenses if you are injured while driving your car. However, some insurance providers might dispute why you are injured or may claim that your accident is for some reason not covered under their policy. If this is the case, you will want to speak with an experienced insurance litigation attorney.

Indemnification

When you cause a car accident, you then transfer your liability from yourself to your insurance provider through the process of indemnification. To receive this service, you simply need to pay a premium. However, insurance providers choose what they cover and under what circumstances.

Insurance providers are concerned with saving as much money as possible. Therefore, if they can find a way to avoid paying for damages caused by a policyholder, they will do so. There might be a clerical error in which the insurance provider believes that the insured has a lapsed policy. In other circumstances, there might be a dispute over the cause of the accident.

Fraud and Exaggeration

Policyholders are sometimes accused of fraud or exaggeration. For example, the insurance provider might believe that the accident didn't occur or that the other party was not injured. If you are considered liable for an accident, you might be accused of working with the other party to fabricate damages as a way to receive compensation for your injuries. 

When you are accused of something like this, you will want to speak to an insurance litigation attorney about pursuing litigation against the insurance provider. If the courts are able to find that your insurance provider should have paid for the damages found in the claim, you or the other party might be awarded damages as a result. 

Why Insurance Litigation Matters

If you are accused of causing an accident and your insurance provider does not pay for the damages, the other party might choose to take legal action against you to recoup for monetary damages. You might then be forced to pay out-of-pocket for expenses.

If your auto insurance provider does not pay for your medical expenses, you may need to turn to your medical insurance provider. This might lead to your health insurance premiums going up. In some cases, your health insurance provider may choose not to compensate you for your expenses. If this is the case, your attorney may be able to take legal action to help you obtain the compensation you deserve.

For more information, contact an insurance litigation attorney.