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When you sign up for an insurance policy, you may believe that the insurance company will disclose all pertinent information to you. This generally is not the case; there are many different issues that your insurance company may not bring up. In fact, there any many issues your insurance company doesn’t want you to know about. In the context of car insurance, four of those issues are as follows.

A Total Loss Saves Insurers Money

When you get into a car accident, you may believe that the better option for you is if your insurance company declares your car totaled. After all, if your car is totaled, you will be able to get a new one. However, the truth is that declaring a car totaled could be bad for you, because you may end up recovering less than your car was worth and less than it would cost to purchase a new one.

Insurers May Use A Speculative Method To Calculate The Value Of Your Car

When looking up the value of a car, we often turn to sources such as Kelly Blue Book or Edmunds. The insurance company may look at these sources as well. However, they will also look to other sources such as market research based on your area and vendor’s quotes. By being able to consider an array of sources, the insurance company ends up being able to manipulate numbers and choose to value your car for less than it’s actually worth.

Your Car May Lose Value After Being Repaired

Even if your car is repaired after an accident, and the insurance company pays for those repairs, your car still undergoes a significant reduction in value.

You Can Be Held Responsible For Your Friend's Driving

If your friend gets into an accident while driving your car, you will have to file a claim. Your insurance will likely increase, and you will have to pay the deductible and damage costs. You could also be sued by the other person involved in the accident if the costs of the accident exceed your policy limits.

Houston Insurance Claims Lawyers

There is no need to be cheated out of a just claim because of deceptive tricks of the insurance trade. With nearly 30 years of experience going to the mat on behalf of damaged victims who battle insurance companies, our Houston attorneys will not hesitate to file an insurance bad faith lawsuit, if necessary, in pursuit of the claim that you deserve. Our specialized experience and expertise will start working for you as soon as possible at no charge. For a free consultation, call us at 713-622-7271 or 800-622-7271 toll free or complete our confidential online form.

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There is never a fee unless we recover on your behalf.
Additionally, clients are not obligated to pay expenses if a recovery is not made.

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