Is your insurer acting on behalf of your interests, or on behalf of theirs?
Both, possibly.
In the event of an auto accident, your insurance company should ensure that your property is secured, if need be, and transported to the local body shop. A reputable insurer may go ahead and set up a rental vehicle for you and inform the shop to commence body work on your car. They'll do the little things to repair/replace your damaged property.
If you have medical payments coverage under your policy, then they'll pay up to the coverage limits for your co-pays and prescriptions to treat for the bodily injuries you sustained.
So, when can your insurer be a foe?
The most likely scenario would be where the at-fault driver is uninsured or under-insured. If you have uninsured and/or under-insured motorist coverage, called "UM/UIM" coverages, on your policy then your insurer may step into the shoes of the at-fault driver and act as if they are insuring him and not you.
It’s preposterous, right? But the fact is that an insurer might act against their client’s (your) best interest. In that situation, you may need to hire an auto accident lawyer. Call the law firm of Snable Stevenson & Silva, and we exclusively work toward your best interests, and not the best interests of the insurance company. We can help you avoid the traps and pitfalls that could be waiting.
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Have you or a family member recently been injured in an accident in Alabama? Contact Snable Stevenson & Silva for immediate legal assistance and advice. You may be able to pursue compensation for your medical bills, lost wages, and other expenses. Our qualified Alabama injury lawyers can help you fight to secure a full and fair award.
We offer a free case evaluation and consultation. Contact our law office in Birmingham, Alabama to schedule yours today. If you can’t come to us, we can arrange a time to visit you. Consultations can be arranged at the hospital, your home, or even your place of business. There’s a limited amount of time to act, so give us a call to get started today.
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