If you’re like most people, you probably assumed your own insurance company would be on your side after your Iowa car accident. That can be a dangerous assumption to make. I’m not exaggerating when I say the biggest threat to getting paid fairly after a car accident may be your own insurance company.
If an uninsured or underinsured driver caused your car accident, you need to be very careful about how you interact with your own auto insurance company.
Even though it is against Iowa law, the person who hit you may not have valid auto insurance. Many people don’t pay attention to when their auto insurance policy expires. If you have the bad luck to be hit by an uninsured driver, you will have a hard time getting compensated for your property damage or your accident-related medical bills. As the old saying goes, “you can’t get blood out of a turnip.”
Even more common are people driving around with too little auto insurance to adequately cover a serious car accident. Remember, it only takes $20,000 in liability insurance coverage to legally drive in Iowa. These days, a short hospital stay, a few X-rays and an MRI will rack up more than $20,000 in medical bills. If more than one person was injured in the crash or if multiple vehicles were involved, there is a good possibility that the driver who caused the wreck does not have enough liability insurance to cover all damages.
If the other driver had no insurance or not enough insurance, your only chance of getting fair compensation after a car crash is through your own uninsured or underinsured motorist coverage. That means your own auto insurance company may be responsible for paying your accident-related losses.
If that happens, your own insurance company will often try to pay you as little as possible. Your years of faithfully paying for auto insurance will mean nothing if you ask an insurance corporation to write you a check!
If you are entitled to uninsured or underinsured motorist coverage, all of the shady insurance tactics you learn in The Law Guide to Iowa Car Accident Claims may come from your own insurance company.
Be on the lookout for the “recorded statement” request, the overbroad “medical release form” and all the rest of those insurance industry dirty tricks.
If you want to receive fair compensation for your auto accident injury in Iowa, protect yourself – even from your own insurance company.
Read more about these warnings and more by using the form on this page to download your free copy of The Law Guide to Iowa Car Accident Claims.
If you are worried about doing or saying the wrong thing when talking to an auto insurance company after an Iowa car accident, get a free consultation with an expert Iowa attorney by calling 1-800-433-0283.
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