What to do if an Insurance Company Refuses to Pay an Auto Claim

What to do if an Insurance Company Refuses to Pay an Auto Claim

What to do if an Insurance Company Refuses to Pay an Auto Claim

Just about everyone is involved in a car accident at some point in their lives, and your specific accident case may have been caused by your own negligence or the negligence of another driver. In the instance that it was another driver’s fault, it’s their insurance company that should cover your injury costs, and compensate you for car repairs or a replacement car of similar value.

But there frequently are unfortunate scenarios in which an individual has a valid auto claim, but the other driver’s insurance company refuses to pay for it. In these situations, it’s imperative to get involved with an experienced auto insurance lawyer, and our team at Siler & Ingber, LLP has handled countless cases of refused claims.

We know exactly how insurance companies are motivated towards compensatory action, as well as their tactics to slowly settle or decline payments altogether. By working with one of our auto insurance specialists we’ll be able to protect your rights against shady adjusters and ultimately resolve your auto claim.

In this article, we are going to go over some of the ways in which we work with our clients to resolve their claims, and the key aspects of these situations you should know about.

Profits Over People

The very first thing people should realize in the situation when an auto insurance company refuses to pay an auto claim is that insurance companies solely work for a profit.

They are never going to put people or altruism in general ahead of their bottom line, and by understanding how insurance companies work you can in turn correctly retaliate to any type of payment refusal.

All insurance companies will do just about anything to keep their money in certain types of investments instead of paying out claims, and they’ll only actually respond in these types of situations via profit-loss punishments.

Once you begin to fully understand their business methodology you can then figure out how to go forward with handling their tactics to refuse your auto claim.

Ask for an Explanation

Most insurance companies will always support their policyholder, so in the situation in which you were involved in an accident that wasn’t your fault you could many times find out that an insurance provider will not even begin to help you until they hear their policyholder’s version of what happened.

When the company denies the auto claim even though there’s evidence that you weren’t at fault, you’ll have to directly contact them and provide all the evidence you have. This type of evidence can include things like the police report, recorded statements and eyewitness testimonies that support you.

If you still cannot make any type of progress with the insurance company then you should ask (and record) them to explain how they believe the accident happened.

Threatening Their Profits

We’ve discussed how insurance companies put profits over people, so it makes sense that you’ll have to threaten their profits in some way when they refuse to pay an auto claim in order to get a response from them.

In order to effectively put their profits at risk, you’ll need the assistance of an experienced insurance lawyer, which is where we come in. What we’ll end up doing is give the insurance company all the necessary documents that will help them fairly evaluate the auto claim, and then set a very firm payment deadline.

When you threaten their profits you’ll likely motivate them to pay the full value of your auto claim, and this is predominately because they don’t want to deal with insurance lawyers and the time and money it takes to actually evaluate your auto claim.

Utilize Your Policy

There are circumstances in which your own insurance provider will compensate you for damages when another driver’s insurer isn’t willing to cooperate, and this predominately applies to having collision coverage. If your policy does have collision coverage included then your insurer should more than likely be able to fully pay out the claim when things get a little tricky.

When this kind of situation occurs your insurance company will then undergo subrogation, which is their process of recovering some or all of the claim’s expenses from the other driver’s insurer.

Mediation and Small Claims Court

It may depend on where you live, but if your auto claim amount is somewhat small then you’ll have the option to take the uncooperative insurance provider to small claims court for a solution. It’s always best to have an attorney on your side throughout this entire process to ensure everything goes smoothly during the mediation process in which a third party will hear both sides of the case and make a decision.

Filing a Lawsuit Over an Auto Claim

It may come down to you and your attorney resorting to filing a lawsuit against the insurance company in order to get your rightful compensation, and this process always requires the hiring of an experienced insurance lawyer.

The specialists at Siler & Ingber, LLP are more than capable of getting you to a favorable settlement or judgment by presenting your valid case in court, and by getting in touch with us shortly after your accident you can be rest assured that you are meeting all of New York’s statute of limitations and other document filing requirements.

Contact Us Today for a Free Consultation

If you or a loved one is dealing with an insurance company that is unwilling to pay out an auto claim that’s derived from an accident that wasn’t your fault, you are more than likely eligible to file a lawsuit to get your rightful compensation.

As we’ve discussed above it’s much more complicated than simply filing a lawsuit right away, and by joining forces with our team of respected insurance attorneys you’ll be in a much better position to put the right type of professional pressure on insurance companies and their adjusters to get the results you deserve. Contact us online or call us at 516.294.2666 for a free consultation.

Share this post



PROMOTION PERIOD: The Siler & Ingber Mineola MegaStar Contest begins on March 20, 2023 at 12:00 am ET and
ends on May 1, 2023 at 11:59 PM ET.

ELIGIBILITY: To be eligible, a MegaStar must be a legal U.S. resident at least 16 years of age as of date of
Nomination. A Mineola MegaStar is defined as a person who lives or works in Mineola and is admired or idealized for their courage, dedication, outstanding achievements, or noble qualities. By participating, Entrants agree to be
bound by the official rules. Sponsors reserve the right to verify and determine eligibility in their sole discretion.

TO PARTICIPATE: During the Promotion Period, Siler & Ingber will accept from the members of the public (herein, the “Nominators”) nominations of Eligible Entrants (Mineola Megastars) who live or works in Mineola. Nominations may be entered by visiting www.nylawnet.com/mineolamegastar and completing the online form and essay submission or by emailing photo and essay to marketing@nylawnet.com during the Promotion Period to receive one (1) entry. Essay must not exceed 500 words. Acceptable essay formats are word documents or pdf ONLY. Nominations submitted without all required information or after the Promotion Period will be disregarded.
Online submissions must be received by May 1, 2023 at 11:59 PM ET to be eligible. All entries become the exclusive property of Siler & Ingber and will not be acknowledged or returned.

ESSAY: During the promotion period, an Entrant can nominate a Mineola MegaStar for the contest by submitting a
photo and essay. The essay must describe why the individual should be chosen as the award winner, including how the individual demonstrates some or all of the following qualifications:

1) an inspiring example to others by helping make Mineola a better place to live (through volunteerism, extra-curricular actives, special projects, giving back, etc.)

2) going above and beyond to aid a friend, family member, stranger or community in a time of need; and/or

3) love of profession and desire, determination and diligence to help outside of normal job responsibilities. The essay must be in English and no more than 500 words. All information provided must be truthful, accurate and complete. An Entrant cannot nominate more than one Hero.

Submitted Materials: Each essay must satisfy all the following submission requirements the Submission


· The essay must be the original creation of Entrant.

· The essay must not portray any recognizable individual without their prior consent, including consent from the

· Entrant must either own all rights to the essay or otherwise have the right to submit the essay in the contest and to provide the rights to Sage Surfaces as set forth herein.

· The essay must not infringe any third party’s intellectual property rights.

· The essay may not contain illegal, indecent, obscene, pornographic, or sexually explicit content, or otherwise offensive material or inappropriate content such as aberrational behavior, graphic violence, drug abuse, or nudity.

· The essay must not promote bigotry, racism, hatred or harm against any group or individual or discrimination based on race, gender, religion, nationality, disability, sexual orientation or age.

· The essay must be non-defamatory and must not invade any third party’s right of privacy or publicity.

· The essay must otherwise be appropriate for publication or broadcast or display on a general interest website.

By submitting an essay, each Entrant represents and warrants that the essay meets all of the submission
requirements and that the distribution, reproduction, display and any other uses of any part of the essay by Siler & Ingber as permitted herein will not infringe any third-party rights. Each Entrant further agrees to indemnify and hold Siler & Ingber harmless from and against any and all claims, demands, damages, costs, liabilities and causes of action of whatsoever nature that are based upon or arise out of any breach by such Entrant of such warranties or representations made by contestant or of these official rules.

By submitting an essay, Entrant grants to Siler & Ingber a non-exclusive, perpetual, world-wide, royalty-free license (and waives all moral rights in and to the essay) to display or otherwise use the essay in connection with this promotion and as set forth herein. If Siler & Ingber determines, in its sole discretion and at any time during the promotion period, that any nomination violates the submission requirements, is otherwise unsuitable, offensive, or in poor taste, or violates these official rules, Siler & Ingber reserves the right to remove and disqualify the essay. Siler & Ingber retains sole
discretion as to whether any nomination satisfies the submission requirements and the official rules.

WINNER SELECTION: For the entry period, a panel of judges will select potential Mineola Megastar finalists based on the compelling nature of the essay based on the criteria set forth herein. Top 5 entries will be announced on May 10, 2023. We will post the top 5 on social media. Final winner announced May 15, 2023. Award Ceremony for Mineola MegaStar will take place on May 19, 2023.

WINNER NOTIFICATION AND RELEASES: We will attempt to notify potential winners via telephone and/or email. If a potential winner: (a) does not respond within 48 hours of initial notification attempt; (b) is not in compliance with these official rules, (c) does not meet the eligibility requirements, (d) declines the prize, he or she will be disqualified, and an alternate winner will be selected by applying the criteria set forth above.
PRIZES: There is 1 Mineola MegaStar. Winner will receive a $500 Cash Prize.

PUBLICITY AND MARKETING: Submission of a nomination in the contest constitutes permission to Siler & Ingber to use Entrants name, identity, title, likeness, distinctive appearance, physical likeness, image, portrait, picture, photograph (whether still or moving), screen persona, voice, vocal style, statements, gesture, mannerism, personality, performance characteristic, biographical data, signature, social media handles and identities, and any other indicia or imitation of identity or likeness for purposes of advertising and trade, in any medium, without further notice, approval, or compensation, unless prohibited by law.

PRIZE RESTRICTIONS: No transfer, assignment, sale, duplication, cash redemption or substitution of Prize (or portion of Prize) is permitted, except by Sponsors, which reserve the right to substitute a Prize (or applicable portion of Prize) with one of comparable or greater value, as determined by Sponsors. Sponsors are not responsible for and will not replace a lost or stolen Prize or any component thereof. All Prize details are at Sponsors’ sole and absolute discretion. Non-compliance with these Official Rules may result in disqualification and, at Sponsors’ sole discretion, the awarding of Prize to an alternate winner.


Do I Have A Case

    Skip to content