What if my insurance company did not cover for everything? 27 Answers as of July 02, 2013

What if my insurance company did not cover for everything? I got into a car accident and had to pay for damages. My insurance company only paid for a portion. I don’t have any money to cover for the rest. What can I do?

Ask a Local Attorney. 100% Anonymous. Free Answers.

Free Case Evaluation by a Local Lawyer: Click here
Salladay Law Office | Lance Salladay
First- discuss the reason why your insurance company did not pay for all of the damages- it could be that it is the deductible that you are being required to pay, which is the usual case. If it is not the deductible, then you need to determine why the other costs were not covered- if the case went to trial and it was determined that the other party was in part at fault, your insurer may not have had to pay for all of the damages- but neither should you. If you cannot get any reasonable explanation you can file a claim with the Department of Insurance, and you can consult with an attorney to see if your insurance company has acted in bad faith.
Answer Applies to: Idaho
Replied: 5/22/2012
Andrew T. Velonis, P.C.
Andrew T. Velonis, P.C. | Andrew Velonis
Some insurance companies have internal review boards. You may also be able to file for an arbitration. But, you wrote that your insurance company "paid for a portion" (past tense) So, if you have accepted the money, you may have accepted the conditions it came with.
Answer Applies to: New York
Replied: 5/22/2012
Law Office of Ronald G. Draper | Ronald G. Draper
The question I have for you is was your coverage current at the time of the accident? If it was valid then look to your policy for the coverage limitation provisions. Depending on your coverage answers your question.
Answer Applies to: Illinois
Replied: 5/22/2012
Lombardi Law Firm
Lombardi Law Firm | Steve Lombardi
The answer to this question has to do with why not all the damages were covered. If because you were at fault in the accident, then your insurance should have covered your losses. But, if because the limits of your insurance were too low, then you didn't buy the right insurance coverage and that may be a problem for your agents E&O insurance. If you paid too much for the car you're driving then that is your fault for not spending enough time determining a fair market value for what you should pay for the car you bought.
Answer Applies to: Iowa
Replied: 5/22/2012
Brian Wendler | Brian Wendler
Generally speaking he insurance company is only obligated to pay pursuant to the terms of the insurance policy you purchased. Without seeing the policy it is impossible to provide a thorough answer. However, if you have full coverage you must look to see what your deductible amount is. If your deductible is $500 for example , the insurance company is within its rights to pay for all the damage minus $500. That is probably not what you wanted to hear but that is generally how the insurance companies operate.
Answer Applies to: Illinois
Replied: 5/22/2012
    Alvin Lundgren | Alvin Lundgren
    You and your insurance company entered into a contract. Your policy states what the insurance company is responsible to pay. Once they pay the amount stated in the policy they have no further obligation. Review your policy to make sure they paid the amounts they contracted to pay.
    Answer Applies to: Utah
    Replied: 5/22/2012
    James M. Osak, P.C.
    James M. Osak, P.C. | James M. Osak
    Insurance companies are in business to MAKE money . . . NOT PAY OUT MONEY. Of course they will try to shortchange you if they can. You would need to review your policy first.
    Answer Applies to: Michigan
    Replied: 5/22/2012
    Law Office of Jared Altman
    Law Office of Jared Altman | Jared Altman
    Sounds like you had collision. So, you're out of luck.
    Answer Applies to: New York
    Replied: 5/22/2012
    Law Office of Mark J. Leonardo
    Law Office of Mark J. Leonardo | Mark Leonardo
    There are many questions to be asked by your questions. Who was at fault for the accident? why didn't they pay for all of the repairs? There are times when the adjuster will give you x dollars for repairs and he or she will do a written estimate, but when it's in the shop, they realize it needs more work. In that event, you can request a supplement to pay for the balance. If that's the situation, call the adjuster and ask for that. Another alternative is to ask the repair shop to complete all of the repairs for the amount of money provided by the insurance company. If the car accident was the fault of another driver, you can try to get his or her insurance company to pay for the difference.
    Answer Applies to: California
    Replied: 5/22/2012
    John Russo | John Russo
    Your insurance company needs only to pay up to your policy limits if they settle before trial and a verdict in Rhode Island. So if thats your case then you are obligated to pay the damages over and above your policy limits. There are a number of other situations where the insurance would only pay a percent of the damages, such as if both parties are contributory negligent, i.e. you are deemed to be 70% liable thats all they will pay, but you should not have to pay the 30% shortfall the other person insurance carrier picks that up, and if they had no insurance your uninsured motorist should pick up the 30%. There are a number of other examples which require to much detail to get into without all the facts. I would say you most likely went over your policy limits.
    Answer Applies to: Rhode Island
    Replied: 5/22/2012
    Downriver Injury and Auto Law | Michael Heilmann
    Your question is not very clear. If you had insurance, it should pay for everything. If you have a deductible then it would not pay for the cost of the deductible.
    Answer Applies to: Michigan
    Replied: 5/22/2012
    Law Offices of Ronald A. Steinberg & Associates | Ronald A. Steinberg, BA, MA, JD
    The policy language will tell you what is covered. You should read the policy, and interrogate the agent BEFORE you agree to buy it. All insurance companies limit their exposure without lowering prices.
    Answer Applies to: Michigan
    Replied: 5/22/2012
    DEAN T. JENNINGS, P.C.
    DEAN T. JENNINGS, P.C. | Dean T Jennings
    If it is too large a sum to ever pay you may have to file bankruptcy. Otherwise, you can ask the person you owe if they will take payments.
    Answer Applies to: Iowa
    Replied: 5/22/2012
    Lapin Law Offices
    Lapin Law Offices | Jeffrey Lapin
    You do not specify what items the insurance company did not pay or only paid a portion. Without this information it is very difficult to answer your questions. It also depends on what insurance coverages you had and in what amounts. There are many types of insurance coverage such as collision (damage to your vehicle), medical payment (payment of your medical bills), liability (damage to another person or another person's property), underinsured (if the liability coverage of a driver who caused you injury was insufficient to fully compensate you for your injuries and damages). For collision coverage, you usually will have a deductible you must pay. An insurance company is obligated to pay, up to its limit of coverage, for items covered by your insurance policy. If they fail to do so they are in breach of contract and you can sue the insurance company to make them pay. If the insurance company has paid everything it is supposed to and there is monies still due, these would be your responsibility. You should talk to an attorney to discuss your case and determine whether the insurance company has paid what it should. Most personal injury attorneys offer a free initial consultation so you can call and learn more about your rights and what, if anything, you can do.
    Answer Applies to: Nebraska
    Replied: 5/22/2012
    Bulman Law Associates PLLC Injury Law Firm
    Bulman Law Associates PLLC Injury Law Firm | Thomas Bulman
    If they paid out the policy limits then all they might have to do is continue to defend you if a court case was filed. If the plaintiffs press the claim, get a judgment, and try to collect, you may have to consult a bankruptcy atty about how to protect your assets and paycheck. Increase you policy limits, especially uninsured/underinsured coverage. Get the maximum your company will write.
    Answer Applies to: Montana
    Replied: 5/22/2012
    Fox Law Firm LLC
    Fox Law Firm LLC | Tina Fox
    Do not settle your case and consult an attorney. Once you settle your case there is nothing more that we can do for you. Insurance companies goal is to close the case quickly and for the least amount of money as possible. You need an attorney to make sure this does not happen.
    Answer Applies to: Illinois
    Replied: 5/22/2012
    Paul Whitfield and Associates P.A.
    Paul Whitfield and Associates P.A. | Paul L. Whitfield
    If your carrier paid its legal limits, that is it. you can do nothing. Most people only carry $30000 minimum. A real injury in an auto case may result in medical bills several times that minimum. You need to buy bigger coverage. It is really quite cheap comparatively. Talk to your agent.
    Answer Applies to: North Carolina
    Replied: 5/22/2012
    Law Office of Gregory Crain | Gregory Crain
    If the insurance paid the limit of it's liability the rest is up to you. File bankruptcy.
    Answer Applies to: Arkansas
    Replied: 5/22/2012
    Brankey & Smith, P.C. | Rodney L. Smith
    Without additional information, this is difficult to answer. Was there a judgment entered against you in a case? What were the limits of insurance? What kind of coverage did you have?
    Answer Applies to: Illinois
    Replied: 7/2/2013
    Kelaher Law Offices, P.A.
    Kelaher Law Offices, P.A. | James P Kelaher
    See an attorney. If it's your own insurance company and it didn't provide everything it was supposed to do under the policy of insurance, Section 627.428, Florida Statutes, says the insurance company has to pay your attorney's fees if they win.
    Answer Applies to: Florida
    Replied: 5/22/2012
    Law Office of Russell D. Gray, PC
    Law Office of Russell D. Gray, PC | Russell D. Gray
    If the accident was caused by the fault of somebody else, consult with a personal injury attorney for further assistance.
    Answer Applies to: Utah
    Replied: 5/22/2012
    The Law Office of Stephen R. Chesley, LLC
    The Law Office of Stephen R. Chesley, LLC | Stephen R. Chesley
    If you were injured as a result of a car accident, the car that your in, pays for the medical expenses and those expenses that are ancillary to your recovery, up to the limits of the policy. Usually you are covered until you are denied by their doctors. If there are still outstanding bills that have been timely, submitted to them that are denied, you have a right to arbitrate them or bring an action for said payment.
    Answer Applies to: New York
    Replied: 5/22/2012
    Law Offices of David W. Hibbert
    Law Offices of David W. Hibbert | David W. Hibbert
    Seek counsel with a competent lawyer versed in insurance claims disputes. You may be entitled to further coverage based upon your policy and the methods used by your company in defending the claim apparently made against you by the injured party. Your question does not have enough information for a complete answer. You would be responsible for your property damage deductible in any event.
    Answer Applies to: Georgia
    Replied: 5/22/2012
    Bernard Huff, Attorney/Mediator
    Bernard Huff, Attorney/Mediator | Bernard Huff
    Have you thoroughly read your insurance policy to determine to your extent of coverage? If you are not completely covered for the accident, that you caused, see if you can arrange a payment plan with the other party
    Answer Applies to: Indiana
    Replied: 5/22/2012
    Bruce Plesser | Bruce Plesser
    Sue the tort feasor. The person who is at fault.
    Answer Applies to: Florida
    Replied: 5/22/2012
    Pearson, Butler, & Carson, PLLC
    Pearson, Butler, & Carson, PLLC | Matthew R. Kober
    You need to hire an attorney. A good personal injury attorney will help you get the medical treatment you need above what insurance did not cover and also help get you reimbursed for any out of pocket expenses. You are entitled to have your damages covered by the person who hit you.
    Answer Applies to: Utah
    Replied: 5/22/2012
Click to View More Answers:
12 3 4 5 Free Legal QuestionsConnect with a local attorney