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What to Do If the Other Driver’s Insurance Won’t Pay for Your Damages

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We have years of experience handling insurance disputes and personal injury cases in the Bronx and throughout New York. We’re committed to fighting for the compensation you deserve.

Being involved in a car accident is stressful enough, but dealing with an uncooperative insurance company can make the situation even more frustrating. After a car crash, you rely on the at-fault driver’s insurance to cover your vehicle repairs, medical bills, and other expenses. But what happens when the insurance company refuses to pay?

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1. Understand Why They’re Refusing to Pay

First, try to determine why the insurance company is refusing to pay. Common reasons include:

  • Disputed liability
  • Policy exclusions
  • Expired coverage
  • Insufficient evidence

Understanding their reasoning can help you formulate your next steps.

2. Gather and Organize Your Evidence

Collect all relevant documentation, including:

  • Police reports
  • Witness statements
  • Photographs of the accident scene and damages
  • Medical records and bills
  • Repair estimates

Having organized, comprehensive evidence strengthens your case.

3. Don’t Accept the First “No”

Insurance companies often initially deny claims, hoping claimants will give up. Don’t be discouraged by their first response. Be prepared to appeal their decision.

4. File a Complaint with Your State’s Insurance Department

If you believe the insurance company is acting in bad faith, consider filing a complaint with your state’s insurance department. They can investigate and potentially mediate the dispute.

5. Explore Your Legal Options

If the insurance company continues to refuse payment, it may be time to consider legal action. Options include:

  • Filing a lawsuit against the at-fault driver
  • Pursuing a bad faith claim against the insurance company

6. Consult with an Experienced Attorney

Navigating insurance disputes can be complex. An experienced personal injury attorney can:

  • Evaluate your case
  • Negotiate with the insurance company on your behalf
  • Represent you in court if necessary

How Apicella & Schlesinger Attorneys at Law Can Help

At Apicella & Schlesinger Attorneys at Law, we have years of experience handling insurance disputes and personal injury cases in the Bronx and throughout New York. We’re committed to fighting for the compensation you deserve.

Don’t let an insurance company’s refusal to pay leave you bearing the financial burden of an accident that wasn’t your fault. Contact us today for a free consultation to discuss your case and explore your options.

Free Consultation with a Bronx Car Accident Lawyer

Contact Apicella & Schlesinger Attorneys at Law to request a free consultation.

Call (212) 568-4245