What happens after you file an insurance claim? If you've been involved in an accident and submitted an insurance claim, you may be wondering what happens after your claim is filed. Here is a look at the typical steps the insurance company will take following a claim. 

  1. Claims Adjustment-  a claims adjuster at the insurance company may call you or schedule an interview with you, to discuss the details of your claim. In support of your claim, you may be asked to provide a claim form and other proof of your losses. Your claims adjuster will make an initial determination of whether your claim is covered by the insurance and how much the insurance company needs to pay.
  2. Investigation- In more complicated claims, such as multiple car accidents, the insurance company may undergo a formal investigation of the claim. The insurance company will look into the cause of the accident and try to assess fault.
  3. Report A Fault- The insurance company may issue a formal report that assesses fault. typically, someone is always determined to be at fault in a car accident, even if the fault is only partial. This will help determine how much the insurance company pays out and also how much the insurance company will increase a party's insurance premiums.
  4. Dispute- An insurance company's ruling and report is not indisputable. In fact, these assessments are hardly unbiased. instead an insurance company has the incentive to place as much blame on you as possible to reduce its payout and to increase premium charges. As a result, you may want to work with an experienced attorney to help you dispute the insurance claim.

Insurance Company Won't Pay Claim?

The ultimate goal of any insurance company is to make money. They accept your premium payments with the hope that you will never need to make a claim, and they will not have to pay out. Despite faithfully making your premium payments, and even when you do have a legitimate claim, some companies will engage in tactics to avoid or delay paying you to protect their profits. 

Examples of Insurance Company Bad Faith Actions

It is hard for the average person to know when they are being taken advantage of by an insurance company, but at Case Barnett Law, we know how insurance adjusters operate. If you believe your accident or mishap should be covered under your insurance policy and your insurance company does any of the following, they are acting in bad faith:

  • Fails to respond to your claim in a timely manner
  • Denies, terminates, or suspends your legitimate claim
  • Underpays your claim
  • Tries to dissuade you from making a claim
  • Misrepresents coverage during the application process
  • Misrepresents the terms and benefits of your policy in any way
  • Makes unreasonable demands for documentation

This is not an exhaustive list; there are many ways an insurance company can act in bad faith. If you are having any difficulty with your insurance company, contact Case Barnett Law for assistance.

How Our Costa Mesa Personal Injury Attorney Team Can Help

A Costa Mesa personal injury attorney can help you get the compensation your child deserves. We have experience dealing with insurance companies and know what to expect.

  • We will file a personal injury lawsuit on your behalf.

This will put pressure on the insurance company to settle quickly and fairly.

  • We will investigate your child's accident.

This will give us the evidence we need to prove that the other party was at fault for your child's injuries.

  • We will negotiate with the insurance company.

This will get you the best possible settlement for your child.

If the insurance company does not agree to a fair settlement, we will take them to court.

  • We have the experience and resources necessary to win a case in court.

If you have questions or would like to discuss your child's accident, please call us today at 949-409-0055 for a free consultation.

You Need an Attorney by Your Side

Attorney Case Barnett believes strongly in an insurance company’s duty to uphold their end of a contract, and he will fight for the settlement you deserve when your insurer acts in bad faith. You can be sure the insurance company will have their lawyers arguing their side, so you need to fight fire with fire. When you hire us for your insurance bad faith claim, we will take over all communications with the insurance company and free you up to focus on recovering from the disaster that put you on this journey to begin with. Call us to learn more about the personal attention you will get from our small but experienced law firm.