Do Car Insurance Claims Go to Court?
Car accidents can be a traumatic experience, and filing a car insurance claim can be a stressful process. Fortunately, most cases are settled without ever going to court. However, some car insurance claims do end up in court.
When a car accident occurs, the insurance company of the at-fault driver will usually cover the costs of the damages. However, if the insurance company does not agree to the amount of the claim, or if the at-fault driver does not have insurance, the injured party may have to take the case to court.
Although most cases do not make it to court, some do. They are usually cases that fall into one of four categories: complex cases, unresponsive defendants or insurers, cases whereby the defendant is denying liability, and cases where claimants are looking for interim payments.
Complex cases are those that involve multiple parties, multiple vehicles, or complex legal issues. These cases can be difficult to resolve without the help of a court. Unresponsive defendants or insurers are those that do not respond to the claim or are uncooperative. In these cases, the claimant may have to take the case to court in order to receive compensation.
When the defendant denies liability, the claimant may have to take the case to court in order to prove that the defendant is at fault. Finally, in cases where the claimant is looking for interim payments, they may have to take the case to court in order to receive the payments they are entitled to.
It is important to note that the court process can be lengthy and expensive. It is always best to try to settle the case out of court if possible. However, if the insurance company is not willing to cooperate or if the defendant is denying liability, then the claimant may have to take the case to court in order to receive the compensation they are entitled to.