THAT’S WHAT CAR INSURANCE IS FOR

Winter 2013

One of the largest expenses we all face each year is paying for insurance.  There is car insurance, homeowner’s insurance, renter’s insurance, life insurance, health insurance and disability insurance to name a few.  We reluctantly pay our ever increasing premiums year after year, often without incident.  Then when the time comes that an unfortunate car accident occurs or other type of claim arises, many people hesitate to have an attorney make a claim on their behalf with the insurance company or never make a claim at all.  Some people believe that if they make a claim, their insurance rates will increase and some believe it’s unethical or improper to bring a claim.

When we pay for insurance a contractual relationship exists between the parties.  We agree to pay a specified premium in exchange for a specified amount of protection, should we have cause to make a claim.  The relationship is not one way in nature, but instead is based upon a give and take relationship.  If for example you are injured in a car accident through no fault of your own, this should be deemed a “non-chargeable” offense by the insurance company.  Accordingly, your rates should not increase as a result of the accident or any claim you bring with No Fault or the tortfeasor’s insurance company.  The insurance companies fully expect you to make a claim after a car accident, because that’s why you pay your premiums and that’s what car insurance is for.  The only impropriety in bringing a claim, is when the claim is false or fraudulent in nature.  

If you are injured in a car accident, especially if through no fault of your own, you should not hesitate to consult with an attorney to protect your rights and obtain any compensation you may be entitled to.  To do so is not only proper, but often necessary in order to safeguard your financial security.  If you are injured in an accident and suffer in silence without at least considering bringing a claim, then you are potentially paying money for nothing, safeguarding the insurance company’s financial security instead of you own and forgetting the simple fact that after all, that is what car insurance is for.  

If you have any questions regarding this subject matter or any related individual matter, please do not hesitate to contact us for a free consultation.

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