Automobile accidents involving drivers with the same Insurance

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You are driving down the road when another driver runs stop sign, hitting the side of the car. You check if the people in the car right, then call the police. While exchanging information with the other driver, you find out that they have the same car insurance carrier as you do, which leads you to wonder: How do I submit a claim if the other driver has the same company? Is the process any different than normal? If so, how?

Read below to find out the answers to these questions and advice on how to make sure you get fairly compensated.

How Insurance Companies handle accident Both drivers are Customers

In an ideal situation, the insurance company would handle an accident between two “customers in the same way and they should see another car accident : unbiased and responsible. However, this is not a perfect world, and insurance companies have been caught failing to provide adequate compensation to customers in the sake of the bottom line profit.

When a car accident occurs and both drivers have the same company , the insurance company must handle it carefully in order to avoid running into a “conflict of interest.” to do that, most insurance companies will give each driver’s own adjustor them. the idea is to both adjustors assessing the claim and responsibility for the accident independent, and present their results to each other when they have a certain fault.

If both adjustors agree that one of the driving forces is to blame, the adjustor monitors -kenna driver will win the claim fairly and provide benefits to other drivers based on their insurance policy.

However, if there is a complication of responsibility, and both adjustors not agree on who was at fault, then they will act as if they work in two separate companies to deal with the claim. Two adjustors from the same company will not take legal action to determine guilt, but agreed with each other.

Oftentimes insurance companies waive the deductible client if they are involved in an accident with other customers in order to avoid the hassle of dealing with liability disputes and customer accusing them of acting in “bad faith” by making a decision that is not the best for each driver.

When an insurance company issues only one adjustor to handle the requirements of both the driver, there is a high risk of conflicts of interest. If this happens to you, contact car accident attorney immediately to ensure that you receive fair compensation.

Benefits of the same Insurance

As unfortunate as to get into an accident in the first place, there are some advantages when the driver is the same company as you .

For one, talk to a representative of your insurance company is always much easier and less of a hassle than in contact adjustor from another company. Since you are paying customer, adjustors will tend to provide faster service than if you had another insurance company.

Second, the insurance money motivation to satisfy the requirement and provide reasonable compensation to you if you are a customer. In most cases, insurance companies would end up losing more money in the long run if you stop using them as car insurance provider because you were unhappy with the coverage, but if they just paid the claim outright. So rather than risk losing you (the paying customer), they are often in their best interests to make you happy by paying a claim.

Finally, when the two drivers with the same insurer get into an accident, the requirement may be faster than if the accident involved two different insurance companies. Two adjustors who work for the same insurer, and work in the same office, can solve issues simply by walking to the table is the adjustor.

cons Having the same insurer

Getting involved in a car accident with a driver who has the same insurance company can also deductible. For example, an insurer may try to seize the opportunity and protect the bottom line abnormal delay or deny your claim or even failing to return calls. Or, two adjustors can come to an unfair agreement behind closed doors that allows the company to get out of paying the full claim that they would be forced to another.

Also, insurance can be confusing, and insurance companies may try to use it to their advantage by persuading the customer uncertainty about the loophole dismisses the responsibility of providing benefits.

When to Call a lawyer

If your car accident caused only minor property damage and / or injury, you will probably be able to continue through the normal process- filing claims with the company and let them appoint adjustors. However, if you got serious damage or injury, you should not contact car accident attorney to keep your insurance company responsible for fair and reasonable compensation, color, plus color: as answer any questions you may have.

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Source by Patrick T Langley

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