Cutting through the fog of insurance policy language

After a significant car accident or other motor vehicle accident, the insurance companies get involved almost immediately. The insurance company executives will play nice with the victims and their families, and act as though they want nothing more than to help out.

The truth, however, is quite different. Insurance companies do not make money by doing the right thing in every case. In fact, many motor vehicle accidents result in endless insurance policy language minutiae that all works to minimize, delay and deny policyholders’ rightful claims.

A Recent Case of Insurance Denial

A recent report from tells a story that seems all too common. The report has more detail than you might want, but the case involved a driver who did not own the car but was named in the policy. The driver did receive permission from the policyholder to drive the car involved in the accident. A plain reading of the policy would suggest liability from the driver given permission to drive from the policyholder.

Even with the obvious evidence suggesting the driver would be covered under the policy, the court ruled in favor of the insurance carrier.

How Do Insurance Companies Avoid Paying Out on Legitimate Claims?

This particular case involved a convoluted understanding of the words “you” and “your” and some instructions that the policyholder gave her son that no one else should drive the vehicle. Even though the policyholder did in fact give permission to the driver, the court ruled that her instructions to her son outweighed this permission.

In short, insurance companies almost always find some way to deny valid accident claims. They have teams of expert attorneys who work tirelessly to find ever-deeper nuance in the policy language and case circumstances to avoid having to pay.

Learn more about the games insurance companies play.

What Can You Do?

You have two choices: Either give up and let the insurance company win or fight back.

For most accident victims, giving up is not an option. You will need compensation to cover injuries, vehicle damage and other costs.

Your only real choice is to fight back. And the best way to fight back is to work with a legal team that knows how to win. Seek out only an experienced lawyer who has won cases like this before.

Time is of the essence. Talk to an attorney right away after an accident to get out in front of the insurance company’s next move.

If you have been in an accident in Memphis, attorney David Gold and the team at Gold Law Firm can help you. Call for a free consultation today.

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