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insurance claim denied | insurance dispute frequently asked questionsWe rely on insurance companies to honor their commitments to us, and fulfill their part of the bargain. Unscrupulous insurance companies often refuse to pay policyholders in an effort to reduce costs and maximize profits. Here are some commonly asked questions around insurance disputes and bad faith (Insurance Dispute Frequently Asked Questions):

Q: Whose insurance pays for damage in a car accident?

A: he answer to this question is not necessarily simple. The liability policy of the at-fault driver covers medical bills and property damage to people other than the policy holder, up to the limits in that driver’s policy. The at-fault driver’s own damage is covered only if he or she has additional optional coverage. Other drivers may also have additional coverage, to cover costs if they exceed the limits of the at-fault driver’s liability coverage.

Q: What happens if the insurance company disputes the validity of my claim?

A: When it comes to the kinds of large claims that can result from a serious car accident, this is unfortunately, relatively common. Some insurance companies will automatically deny large claims, knowing that some people will not understand how to protect their rights. Fighting an insurance company can be daunting, and it can be difficult. You need to be sure that you have someone experienced with these issues on your side.

Q: My insurance company wants me to sue the other driver from my car accident. Can they do that?

A: Yes. In fact, this is fairly routine. When a driver is considered to be at fault in a serious accident, the insurance company may make you sue the other driver, so that they then can try to recoup the money that they are paying out. If this happens, the insurance company should provide an attorney, but that lawyer’s job is to protect the insurance company, not you! It is still a good idea to consult with your own lawyer to make sure that your interests are being protected, as well as those of the insurance company.

Q: Someone told me that you can only sue a rich person, because “you can’t squeeze blood from a turnip.” Is this true?

A: It is true that obtaining a judgment in a lawsuit does not guarantee that you will ever see that money. If you sue someone who can’t pay, the court can’t force them to pay. But something that insurance companies don’t want you to know is that, in most car accident cases, there is an insurance company who is liable to cover the driver’s costs. This means that when you win a judgment against the at-fault driver, the money doesn’t come from the person, it comes from the insurance company; so whether the driver is rich or not is immaterial. This is a bit of a “dirty little secret”, because no one is allowed to mention the insurance company at trial.

f you have been seriously injured in a car accident that was caused by the negligent or reckless driving of someone else, contact a dedicated lawyer immediately to discuss your options. There are a lot of “dirty little secrets” that insurance companies don’t want you to know, that can make recovering financial compensation from your accident very difficult. The right attorney can help protect your rights, and recover financial compensation for medical bills, property damage, and lost wages. 

Contact Hull & Zimmerman

insurance claim denied | insurance dispute frequently asked questionsAt Hull & Zimmerman, we are committed to helping people get the money they are owed. We believe that insurance policies constitute an agreement between policyholder and carrier; when an insurance provider refuses to honor its commitment, it is in the wrong. To discuss your needs with our dedicated Denver insurance bad faith lawyers, please contact us today by calling (303) 423-1770.


At Hull & Zimmerman, P.C., we are honored to help accident victims in their time of need, and take our responsibility as personal injury lawyers incredibly seriously. We know how important it is for victims to secure the full and fair compensation they need following a serious accident, and that is why we take a hands-on, personalized approach to every case we handle.

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