We all have insurance of various types to protect us in the event something terrible happens.  But, despite all the money we spend on insurance, it is one of the few things that we pay for that we hope we never have to use.

Though the concept of insurance is not a fun topic, it is important that you take a number of steps to make sure you will get the benefit of your insurance coverage if you ever need it.  With that in mind, here are 5 key factors a Charlottesville VA personal injury lawyer wants you to know in dealing with your insurance company.

  1.     Make Sure you Have Enough Coverage.  First, you need to make sure you have enough insurance coverage available to protect you from your potential losses.  Make sure you have enough coverage available to replace property, to pay for expected medical expenses, and to compensate you for the various types of harms and losses that could arise in the event of an accident.
  2.     Make Sure you have the Right Kind of Coverage.  Second, make sure that you understand the various types of coverage that might be available to you.  If you are obtaining car insurance, for example, make sure you have adequate liability coverage, medical payments coverage, and ample underinsured and uninsured motorist protection.  Getting additional coverage can be relatively inexpensive, so make sure you obtain plenty of coverage.
  3.     Be Truthful in Your Application.  Third, be sure that you are completely truthful and accurate when you are requesting insurance.  I’ve seen insurance companies attempt to deny claims for a large number of reasons, and the first place the insurance company looks to deny coverage for an accident is your application.  If they find an untruthful statement in your application, they may return the insurance premiums to you and claim that there is no coverage for the loss.  Avoid this at the outset by being completely truthful in the application.
  4.     Report Claims in a Timely Manner.  If you are in the unfortunate situation where you suffer a loss, make sure you report the loss to your insurer as soon as you can.  Insurance companies may attempt to claim that your failure to provide notice of the accident in a timely fashion causes them harm, and they may try to avoid having to provide compensation for your loss based on that.
  5.     Pay Your Bill on Time.  Last but not least, be sure you pay your bill on time.  We see sad cases where someone loses or never gains coverage because they fail to pay a bill in a timely manner. Avoid that at all costs.

Thanks to our friends and contributors from MartinWren, P.C. for their insight into dealing with insurance companies.

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