Sacramento Insurance Dispute Attorneys
Your Rights Vs. The Insurance Company

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Your rights vs. the insurance company will determine based on your specific contract. However, most clauses are pretty standard and your rights should be readily determinable.

In most cases, once your insurance company has provided you benefits, such as the cost to repair your vehicle, you must transfer the Subrogation Rights arising from the accident to the insurance company. This means that you transfer your right to bring a negligence claim against the party. Your insurance company may then pursue damages from the negligent third party. Essentially, when your insurance company pays you damages from an accident which was not your fault, they pay you damage in exchange for the right to sue the guilty party.

If you are being accused as the guilty parity, your insurance company is obligated to provide a defense for you against any claims that are covered under your policy. However, your insurance company may not be obligated to pay the damages for certain claims. Most likely, your insurance company will send you a "Reservation of Rights" letter, which notifies you that even though the company is proceeding to handle your claim, certain losses might not be covered by your policy.

Most insurance policies require that you give "prompt notice" of an accident or theft. If you wait too long before you report your claim, your insurance company may not be able to do a thorough investigation or take other action. If this happens, your insurance company may have legal grounds to pay you less than the full value of your claim, or may not pay you at all.

The best way to determine your rights is to speak with a professional. Contact us or call today for a free evaluation of your rights and how you should proceed with your claim.

IF YOU OR A LOVED ONE HAS BEEN INJURED IN AN ACCIDENT,
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