All the details on each of the claims made by a given insurance company’s policy holders will be different. Still, each such claim will begin in the same way. Each of them will start with a phone call, usually a call made to one of the same company’s agents.
That call gets made at the time of an accident. The agent that has been contacted must then speak with the men and women that will review the policy held by one specific customer. That customer would be the person with the damaged vehicle (the person that has just called-into the company). The review of that one particular policy will determine whether or not the insurer will agree to cover the damages to that one policy holder’s vehicle. If such coverage is refused, the policy holder can follow either one short timeline or one long one.
The short one
In the short one, the driver/policy holder to whom coverage has been denied chooses to face the consequences. He or she either decides to do without a set of four wheels or starts searching for a way to pay for the necessary repairs. Of course, if the money for the repairs cannot be found, then the former driver becomes either a pedestrian and a rider of public transportation or a commuter on a bicycle.
The longer of the two timelines
The first step in this longer timeline has the coverage-denied driver contacting a lawyer. Once that member of the legal profession has been contacted, he or she must start negotiating with the client’s (the driver’s) insurer. Sometimes, the contacted personal injury lawyer in Trenton sends the insurer a letter.
The exact nature of the next step depends on what has been stated in the driver’s insurance policy. Some policies call for use of arbitration or mediation at this point. If either of those procedures has been called for, the hired lawyer (representing the client/driver) will work with the insurer, to see that the specified procedure gets carried out.
If some type of agreement has been reached, as a result of the arbitration or mediation, then the insurance company will be sending the agreed amount to the driver that had previously been denied that same compensation. The money sent should provide coverage of the medical expenses that have resulted from the accident, as well as funds for repairs to the damaged vehicle.
If no settlement has been agreed to, after the arbitration or the mediation, then the lawyer will need to get busy collecting evidence. That evidence will help the client’s lawyer to present a strong argument for the plaintiff/client.Hence, the second of the two ways of this longer timeline proceeds forward for a greater length of time than the path that could have emerged from the settlement. Its length can try the patience of a client. Still, it has the ability to ensure the client’s receipt of a larger award.