under insured motorist

Underinsured Motorist Coverage Litigation Attorney Decatur GA

Decatur, Georgia underinsured motorist coverage litigation attorney, Andrew R. Lynch, P.C., knows first-hand how difficult it can be to be involved in a car accident with an underinsured driver. If you have been in an accident with a driver who has not purchased any insurance, has allowed their insurance to expire, or has not purchased enough insurance to cover the damage they have caused, then you may have a huge fight ahead with your insurance company. In a situation like this, your underinsured motorist coverage should protect you from paying out of pocket, but when making such a claim with an insurance company, consider calling Decatur, GA underinsured motorist coverage litigation attorney, Andrew Lynch to make that you receive fair compensation under your insurance policy.

In a sprawling city like Atlanta, we need our cars to get just about anywhere. When someone else causes an accident that damages your car, not only can you be left with thousands in repairs to pay, but also with no way to get to work or pick up your kids. That is why Georgia law requires all drivers to purchase minimum liability coverage to insure the cost of any damage or harm they may cause on the road is not forced onto the victim of the accident. However, despite this law there are still an unnerving amount of drivers on the road with either expired insurance or no insurance at all. Even if the driver has purchased minimum liability coverage, in major collisions this minimum coverage still may not be enough to pay for all damages. This can create a frustrating and costly situation for the victims of an accident.

Fortunately, Georgia law also requires insurance companies to offer underinsured motorist coverage. If you have purchased this coverage, then your insurance company is responsible to cover the damage done to your car when the person at fault cannot. Even if you do not think you have purchased this coverage, it is important to review your policy and be sure. In an accident with an underinsured driver, or in a hit and run, this coverage can save you an enormous amount of money.

Make no mistake though, the goal of the insurance companies is to give you as little as possible, regardless of how much is actually owed to you by the coverage you purchased. That is how they make their profit. Without a Decatur, GA underinsured motorist coverage litigation attorney at your side, you can expect the insurance company to attempt to short change you, and leave you to pay for a good bit of the damage on your own. That is why it is crucial to call attorney Andrew Lynch immediately after your accident to schedule a free consultation. Allow Decatur, GA underinsured motorist coverage litigation attorney, Andrew Lynch’s skill and experience to put you at ease in the hectic and stressful aftermath of being hit by an underinsured driver.

Can an underinsured motorist coverage litigation attorney in Decatur GA really make a difference?

Andrew R. Lynch, P.C. represents accident victims who may benefit from an underinsured motorist coverage litigation attorney in Decatur, GA. An attorney may be the last defense against insurance carriers who act in bad faith by denying valid claims or offering an unfair settlement amount. Insurance companies know that filing a claim can be overwhelming for many accident victims. They use this fact to their advantage, using a variety of tactics hoping to get accident victims to agree to a low-value settlement just so that they can avoid hassle and move on with their lives. While Decatur, GA underinsured motorist coverage litigation attorney, Andrew Lynch knows that there are advantages to getting the money you deserve quickly, it is also important to make sure that you are getting the amount of money to which you are entitled under your insurance policy. Here are a few of the tactics of which to be aware as you move through the insurance claims process:

  • Making the claims process long and hard. Insurance companies are notorious for dragging out the claims review process, requiring more and more proof as you move through the process. It may be difficult to know who to call, what supporting evidence to submit, or how to take the next step to get the money you deserve. This is especially true when the claim is substantial. As a general rule, the greater the damages the greater resistance a claimant will receive from an insurance company. And of course, the larger the claim, the more the claimant has to lose if the carrier does not offer a fair settlement.  Do not let the insurance company avoid the payout you deserve by making the claims process lengthy, overwhelming, and confusing.
  • Giving a “final” offer. Another common tactic of insurance companies is to tell a claimant that their settlement offer is final and that they will not offer a larger payout. Most of the time, they are bluffing as they know that most accident victims do not have the energy or experience to counteroffer. Decatur, GA underinsured motorist coverage litigation attorney, Andrew Lynch has the experience necessary to call the insurance company’s bluff and, if necessary, take the insurance company to court to ensure that you get a fair payout under your policy.
  • Delaying payout. Even if an insurance company eventually pays out a claim, if the damages are substantial they may delay the payout as long as possible. In this way they preserve their profit margin for as long as possible. Andrew Lynch has the experience necessary to talk to your insurance company and help you avoid any delays in receiving the payment that you so badly need to get back on your feet after an accident with an underinsured motorist.

Andrew Lynch, Decatur, GA underinsured motorist coverage litigation attorney, can help you avoid any of the tricks of the trade your insurance company may use to get you to accept a lower payment than what you deserve. Call Andrew today to set up an initial consultation and find out more about what he can do for you.