Dealing With Insurance Companies
Helping you recover compensation in West Virginia
This is the way it's supposed to work... You've been injured in a car accident. You get treated for your injuries and file a claim with the insurance company. The insurance company reviews your claim, then compensates you for the full amount of damages you have suffered. Sounds simple, doesn't it?
But it is never that simple. In reality, insurance companies routinely deny claims. They dispute the extent of your injuries. Pay the full amount of damages? They would prefer not to pay you at all. You may even find yourself getting blamed for the accident. The Charleston car accident attorneys at Mani Ellis & Layne, PLLC know how to handle insurance companies and get you the compensation you deserve.
If another driver causes your auto wreck, your first option will be to seek a recovery through that driver's liability coverage. West Virginia law requires drivers to carry certain minimum amounts of liability insurance. Those limits are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury (two or more people)
- $25,000 per accident for property damage.
However, if the driver who hit you has only the minimum amount of coverage, your losses may quickly exceed those limits. There is also a possibility that the driver lacks any coverage at all.
Exploring all options
Mani Ellis & Layne, PLLC, will go beyond the at-fault driver's liability policy and explore all sources of compensation available to you. We want to make sure all of your losses are covered and that you receive the maximum amount in your case.
For example, we may turn to your own uninsured/underinsured motorist (UM/UIM) coverage. UM will cover all of your losses up to your policy's limits. UIM will cover the difference between what the at-fault driver's policy covers and the amount of your damages (again, up to your policy's limits).
Unfortunately, you will likely face challenges when you deal with insurance companies - whether it is the other driver's insurer or your own insurer. These companies want to protect their profits. So, they will try to pay as little as possible to resolve your claim or, if possible, avoid paying you anything at all.
An attorney on your side to help deal with the insurance company
Our lawyers know how insurance companies work. While you focus on getting better, allow us to deal with them on your behalf and demand just compensation for you.
Do not accept a settlement offer from an insurance company until you have spoken with a lawyer first. Once you accept a settlement and sign a release, you give up your right to seek any additional compensation in your claim. So, you need to make sure that the settlement you accept is right for you and your family.
Contact us to learn more about how we can help you with your car accident claim. During a free consultation, one of our Charleston car accident lawyers can go over your options and explain what to expect from the insurance company. We can also review any settlement offer you receive and advise you accordingly. There's no fee and no obligation, just honest answers about your legal rights and options.