Boise Auto Insurance Lawyer
You might think dealing with the insurance company after your motor vehicle accident will be easy, but nothing could be further from the truth. Prepare yourself by getting help from an experienced Boise auto insurance attorney.
When you’ve been involved in an auto wreck, you probably know that you’ll need to pursue compensation for your losses from the person or persons responsible for causing your accident—and their insurance company. This is because Idaho is a fault state for auto insurance purposes. But obtaining the money you’re entitled to probably isn’t going to be a walk in the park.
It is not uncommon for insurance companies to deny or delay payment of their claimants. When you need access to your money now, get in touch with a Boise auto insurance lawyer at Craig Swapp & Associates. Our firm will negotiate with the insurer on your behalf so you can be sure you’ll get the most out of your claim.
Idaho Auto Insurance Requirements
Every driver throughout Idaho is required to carry auto insurance coverage on their motor vehicles. The minimum coverage requirements in Idaho include $15,000 in property damage liability coverage, $25,000 per person/$50,000 per accident in bodily injury coverage, and $25,000 uninsured/$50,000 underinsured motorist coverage.
It would be in your best interests to consider adding comprehensive, collision, and personal injury protection to your policy, as the damages incurred in a car crash often far exceed these state minimums. It’s also important to note that just because the state mandates that drivers carry auto insurance doesn’t mean that every driver is adhering to this law—hence the need for extended coverage.
When another driver isn’t carrying auto insurance, you’ll need to go through your own insurance company up to the limits of your policy to recover your losses, and then file a personal injury claim against them to recover the remaining damages. Your auto insurance lawyer in Boise can help you in both of these scenarios.
Dealing with the Insurance Company
Unfortunately, insurance companies aren’t easy to deal with. They nearly always prioritize their needs above those of their claimants. You can expect the insurer to try to make you appear more liable for the cause of the accident so that they can get away with settling for less than you’re entitled to.
Comparative negligence laws in ID allow you to still recover your damages despite being partially liable, but your award will subsequently be reduced by the percentage of fault you carry. Insurers know this and may try to manipulate the law to their advantage. This is typically done by twisting the statements given to them.
Your attorney is aware of these strategies and will handle all of the negotiations and communications with the insurance company for you so that you aren’t taken advantage of in your time of need and so that you’re justly recompensed for your economic and non-economic damages.
Consult with a Qualified Boise Auto Insurance Attorney
Insurance companies masquerade as being on your side, when really their goal is to maintain their profit margins and pay out on claims as minimally as possible. Don’t let this happen to you.
To discuss the details of your case with a seasoned Boise auto insurance lawyer at Craig Swapp & Associates, simply fill out the quick contact form we’ve included at the bottom of this page or give our office a call at 1-800-404-9000.