Auto insurance carriers are some of the most notoriously difficult to negotiate with following a crash resulting in injury. Often, they will extend low-ball settlement offers in lieu of policy limits, even when it seems clear full coverage is warranted.That’s if the carrier doesn’t deny the claim outright.
Policies are often drafted with many contingencies and exemptions, and the language can be extremely confusing to someone unfamiliar with contract and insurance law. Insurers bank on your lack of knowledge, which is why it’s so important to have an experienced lawyer advocating for you at the start.
In the recent case of Smith v. Maryland Casualty Co., before an appellate court in Missouri, an insurer dug in their heels to deny coverage to a crash victim under a commercial liability policy.