What kinds of insurance problems can happen after a Maine car accident?

Even if you are lucky enough to carry collision insurance, you may find that your own insurance company will give you the runaround and try to underpay for the damage to your vehicle or try to get you to take a low amount if your car has been totaled. Your company may not provide you with a rental vehicle when you need it, even though you are clearly entitled to one, and they may give you a hassle about paying for your medical bills which they are supposed to do under the "med pay" provision of your insurance policy.

At Lowry & Associates, we believe no injury victim should be ignored, put off or deceived by people they have trusted to care for them when they are most vulnerable.

As experienced Maine car accident attorneys, we've dealt with uncooperative insurance companies many, many times. We can help you to get a fair price for your property damage, as well as see to it that your own insurer reimburses you for your medical bills.

Here are just a few questions we've heard about insurance coverage after a Maine motor vehicle accident:

• Why won't my provider pay for my medical costs?

Insurance companies want to retain as much of their profit as possible. One of the ways they can do this is by avoiding payment as long as possible-for instance, claiming that your injuries were not a result of the crash. Additionally, your health insurance may refuse to pay for any medical bills until the coverage limits of your med pay are used up.

• Why isn't the at-fault driver's insurance company paying for my property damage?

This is one of the biggest hassles that car accident victims experience. You want to get your property damage paid for right now, but you may find that the company representative will be dragging his feet and making it into a drawn-out process. When he finally does agree to pay for the damage to your car, if he does, he is apt to propose a number that is far below the amount required to repair the vehicle to its pre-accident condition.

• Why do I have to wait so long for a settlement?

In his book The BIG Secrets About Maine Injury Claims: What No One Is Telling You About The Process, attorney Don Lowry explains that insurance companies are not interested in settling cases quickly. The more they can prolong the case, the longer they hang onto their money-and the better chance they have of waiting you out in hopes that you will get desperate for money and settle for a small amount. At Lowry & Associates, we move the case along as quickly as possible-but there is no way that a fair amount can be recovered if the case is settled too soon.

What if I signed something after the accident?
Remember: Insurance companies are always motivated to retain as much money as they can. If an insurance adjuster contacted you shortly after your accident and persuaded you to sign a settlement, the amount was most likely drastically less than your case is worth. However, with an experienced Maine personal injury attorney on your side, it is possible that the ill-advised settlement could be set aside.

Can I get paid if my loved one died in the crash?
Wrongful death cases are both tragic and complex. There is the possibility of making a claim for pain and suffering and medical care incurred prior to the death, but often the deceased person died instantly in the crash, so the only claim would be for the loss to the survivors caused by the death of their loved one. Although insurance policies clearly are a commitment by the insurance company to pay reasonable claims made against the insured, insurance companies usually resist and try their best to pay only a minimum amount.

At Lowry & Associates, we believe that insurance companies should keep their promises. We can help get you the most compensation possible for your suffering. Call 888-485-9501 today to get started on your Maine personal injury case.

Lowry & Associates handles injury cases throughout the state of Maine. We have offices in Portland and Bangor, but serve clients across the state, including Lewiston, Biddeford, Auburn, Augusta, Waterville, Brunswick, Sanford, Presque Isle and more. Contact us today for information on your case in any Maine county including Cumberland, York, Androscoggin and Penobscot Counties.