Where Can I Find the Best Car Insurance Attorney in Charlotte, NC?

Your car insurance attorney will attempt to mitigate the advantages the insurance company has. The first step to negating this advantage is by taking over communication with the insurance company. 

Communication With the Insurance Company

Whenever you give the insurance company information, it can potentially use that information against you when deciding your claim. Your attorney will control what information is shared so that it can’t be used to hurt your position.

Additionally, your insurance attorney will conduct an investigation separate from the investigation conducted by the insurance company. Your attorney is looking for all evidence that supports your claim and will provide that evidence to the insurance company. 

This prevents the insurance company from ignoring evidence that supports your claim without your knowledge.

Negotiation

Next, your car insurance lawyer will negotiate with the insurance company before the claim is approved or denied. It is better for these negotiations to begin earlier rather than later. 

The goal of these negotiations is to get you fair compensation for the restoration of your vehicle and your recovery from all injuries resulting from the accident. Any settlement offer is only fair if it includes all expenses already incurred and a significant portion of all expected future expenses.

Appeal or Trial as Necessary

If the insurance company refuses to settle and either denies your claim or tries to approve it with a lowball offer of compensation, your attorney can either help you with the appeals process or file a lawsuit for you. 

Which option your attorney recommends will depend on the specifics of your case. Even if you do appeal, you will still have the right to file a lawsuit after. And sometimes, the behavior of the insurance company during the appeal can be used to support your lawsuit.

Finally, if your case does go to trial, the case may take months or even years. Often, insurance companies will negotiate a settlement before a trial ends to save money. If that doesn’t happen, you can feel assured that Morgan & Morgan attorneys have excellent records of success winning trials in North Carolina car insurance cases.

One of the most challenging parts of the insurance claims process is that it is slow, and you often need money quickly after a car accident to pay off your bills. 

Car insurance attorneys from Morgan and Morgan will focus on getting you paid as quickly as possible. This may require compromising a little on compensation, but we will never negotiate for anything less than fair. We understand how important a fast, fair settlement is to your recovery.

There are plenty of conversations you can have with an insurance company without consulting an attorney. For example, an attorney doesn’t need to be present while you are discussing coverage options with an agent. 

But you should consult your attorney for or direct to your attorney any conversation regarding details of a claim.

It is best to hire a car insurance attorney before you even make a claim. That is the best way to defend your rights when dealing with an insurance company. 

However, even if you didn’t, we will still represent you zealously. It may require a little time for us to complete an investigation, but we will make sure that you meet all deadlines in both the appeals and legal process, regardless of when you hire us.

There is no easy answer to that question. A settlement will get you money more quickly, but this will almost always be less money than you would potentially be awarded at trial.

If you win at trial, you will usually receive a much higher compensation value than you would from a settlement. But neither the win nor the award is certain. Additionally, any trial is likely to take years to complete, which can be difficult while you are in debt.

Your attorney will recommend to you which option to pursue based on the details of your case.

There are assistance programs that can help you pay bills or get money after suffering an injury, especially if that injury prevents you from working for a time. Your car insurance attorney can direct you to those resources and help you apply for them.

Additionally, your attorney can write a letter of promise to anyone providing medical services. This officially informs them that you are pursuing legal action against the insurance company and that you will pay all outstanding bills once you receive a judgment by the court or negotiate a settlement with the insurance company. 

Usually, this will halt any bills until you get paid.

If you are looking for a car insurance attorney that you can trust, Morgan & Morgan is the law firm you need. Our attorneys are experienced and have an excellent record of success. Contact us as soon as possible after a car accident in Charlotte, NC, to get a free case evaluation.