When to Hire an Auto Insurance Lawyer

Whether you have reached a negotiation stalemate or your auto accident claim has been denied, hiring an auto insurance lawyer will come in handy. A car accident lawyer gives the insurance firm a reason to keep working with you because they do not want a lawsuit.

Why You Can Sue the Insurance Firm

A car insurance policy is a contract between the insured party and the insurer. If your insurance company refuses to pay a claim that it should have paid under the laws of a policy, it has breached the contract and you can pursue legal remedies. This means that you can file a lawsuit against the firm with the help of a lawyer.

Depending on your specific case and your state law, the damages might include expenses such as the cost of filing the lawsuit. To be sure, you need to hire an auto insurance lawyer.

Overseeing Coverage Denials

If your car insurance claim is denied, you should ask the insurance adjuster to put the denial in writing and quote the policy language that relates to your claim. According to http://www.thedoanlawfirm.com/Areas-We-Serve.aspx, if you do not agree with the basis for denying your claim, you should consult a lawyer who deals specifically with denied claims. The attorney should tell you whether you have grounds to dispute the denial and the steps you should take going forward.

Make sure that you ask your attorney whether to use the dispute process or the insurer’s internal appeals. If you need to jump straight into legal action, your lawyer will advise you accordingly.

How Your Attorney can Help in Dispute Resolution

A car accident lawyer can help you with a number of dispute resolution options, including:

Arbitration – some insurance policies have a provision allowing the arbitration of disputes between the insured and the insurer. Arbitration is a procedure for dispute resolution using arbitrators instead of filing lawsuits. It is a much cheaper and faster way of resolving contract disputes.

However, this dispute resolution option is not available unless stated in the insurance policy or unless you and the insurer agree to resolve your issues via arbitration.

Negotiation – your auto accident lawyer can get into negotiations with the insurance company to reopen an old case where coverage was denied. The lawyer can put some pressure on the company to negotiate a fair settlement depending on your policy and damages.

Small claims court – this option is only available if the claim is below the state-specified amount.

In some states, the maximum limit is $2,500 and in others, it can be as high as $25,000. The documents that you will pull together for your negotiation are enough, but you might have to add photos and policy reports. However, once you get a settlement from a small claims court, it is final.

If none of these options works, your lawyer can file a lawsuit against your insurance company for the full value of your claim. However, you should only go the lawsuit route as a last resort. If possible, your attorney should sue the party responsible for your injuries. You need to avoid unnecessary delays when filing a lawsuit because each state has different laws on how long you have to act.

You Need an Auto Accident Lawyer When:

–          You do not know how to evaluate your claim

–          The liability is unclear or shared among parties

–          The adjuster has asked you to supply medical records from before the accident

–          When the adjuster makes an offer, but you think your claim is worth much more

–          You have a lost wages claim that is difficult to prove

Don’t Miss These 7 Car Insurance Milestones

Constantly looking for new ways to save can be exhausting. Whether you are trying to save money for a vacation or you’re looking to shave a few dollars off a bill, saving money takes effort. However, every once in a while you get a break when your birthday rolls around. This is especially true with car insurance. There are a number of car insurance milestones that can save you cash.

7 Car Insurance Milestones You Can Benefit From

Car insurance can be expensive, especially if you’ve been in an accident or have had tickets in the past. There are a few milestones that can reduce your auto insurance policy though.

  1. Turning 25 – When you turn 25 you’ll be able to rent a car and you may get a few dollars off your current auto insurance policy. There’s no real reason for this but it’s a milestone that can help you save. If you’ve had a good driving history, your insurance carrier may give you a discount after your 25th.
  2. Getting married – If you’re getting married your spouse’s driving record can help you land a lower rate too. However, if your spouse is a risky driver with accidents and tickets on their record it could have the opposite effect if you’re adding them to your policy.
  3. Having a child – Some families choose to purchase a newer, safer car when they have a child. If you choose to get a car with advanced safety features your insurer may provide you with a lower rate because the vehicle you are traveling in is safer than the one you had before.
  4. Relocating – If you have to relocate for work (or simply have to move), your auto insurance rates could go down as well. Areas with higher traffic, like New York City, are subject to higher car insurance rates. The farther away from the city, the lower your insurance.
  5. Turning 50 – Oftentimes car insurance rates lower again once you hit your 50s, especially if you’ve had a good driving record. This is because individuals in their 50s are more likely to drive safer vehicles and are less likely to take risks while driving.
  6. Sending your kids to college – Many parents keep their kids on their auto insurance policy through college. If your child gets good grades at school your insurer may reward their grades with lower rates.
  7. Retiring – Similar to the rate decreases at 25 and 50, retiring can also help reduce your auto insurance rate. This is usually because retirees have older, safer cars that are simply cheaper to insure. However, you’ll also be getting a senior citizen discount and may get additional discounts, depending on your location and insurance company.

Saving money is tiring but every once in a while you’ll hit one of these car insurance milestones that will help you save without lifting a finger. If you have specific questions about these milestones and discounts offered, give your insurance company a call. You may even be able to save some money today!


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Progressive HomeQuote Explorer Review

Progressive HQX

This post was sponsored by Progressive.

Over the last few years, we’ve come to recognize Progressive Insurance thanks to Flo, the Progressive girl. Initially, when the company first began in 1937, it focused solely on auto coverage. Over time, the Ohio-based company stayed true to its name of being a progressive insurance company, and thus, expanded its services beyond vehicles. From golf carts to condos, customers can obtain coverage for some unique circumstances in addition to standard protection. They were the first major auto insurance company to have a website, they continue their history of innovation with a new service: HomeQuote Explorer.

HomeQuote Explorer Review

What is it?

HomeQuote Explorer is a free online quoting experience to help homeowners compare home insurance rates. Think Trivago for hotels, except it will show prices from multiple insurance companies side by side. Not just that, but when you do enter your information, HomeQuote Explorer will match you with the best policy for you based on your information. Currently, Progressive is the only insurer that offers anything like this, according to their website.

How does it work?

You start the process by entering the address of your home to their search bar on the site. Progressive then pre-fills any information they find based on public records of the house, which helps you save time. Their questionnaire also includes images to assist in the process of answering questions about your home, such as your roof type or flooring details.

Once you’ve completed the assessment, they’ll match you with what they feel is the best policy based on your answers. However, you do not have to choose their recommended. They also provide you with alternative rates and coverage to review – side-by-side comparisons of rates and coverage from multiple companies so that you can ensure you’re getting the best deal.

As you finalize your decision on your new home’s insurance option, you can simply buy it online or call Progressive to speak with a licensed agent.

Pros and Cons of Progressive HomeQuote Explorer


On top of comparing your rates, they will even take care of the details with your mortgage company for you if you prefer. They’ll send a proof of insurance and coordinate the details, allowing you to lump in the payment to your mortgage rather than paying Progressive directly.

The information regarding their service is also very clear and easy to find. Their FAQ page answers just about any question you might have about the process, which is something I truly appreciate.


The biggest con for me, personally, was that the HomeQuote Explorer was still relatively new when I gave it a try so there were still a few quirks. Using my current address, I went through the process as though I were buying my place. As I went through and filled out the information for my home insurance quote, the images the promotional video showed were not present. It was their old questionnaire that also did not have an auto fill option as promoted.

When I tried again, however, the new screen and features did appear. After going back and taking a look at the newer version of HomeQuote Explorer, this issue was resolved.

Another con I experienced was that the HomeQuote Explorer didn’t directly provide the homeowner’s insurance but rather partner with other companies to do so. Thus, they are limited in the discounts they can offer.

Progressive is a trustworthy company and continues to deliver a quality service. I can say this confidently as an auto insurance policy holder for the last three years. Regardless, it would still be wise to research other home insurance policies before purchasing through the HomeQuote Explorer. It does appear that some glitches are still being worked out.

All in all, the tool was easy to use and helpful in giving me an idea of one of my options for home insurance.

Interested in learning more about HomeQuote Explorer? Check out the video below: