You can delay it for as much as you want, but what you really should do is speak to a qualified lawyer who handles automobile collision cases to get good sound advice before you give up your claim. The insurance company is not interested in being fair to you, it’s only interested in being fair to itself. You need an attorney who will protect you.
Well, just because an insurance company says no to you, doesn’t mean that they’re right. It doesn’t mean that that’s the final answer either. You need to contact an attorney. If you’ve had an insurance claim denied, or if you think you’ve been offered too little, contact a lawyer who knows something about insurance. We have decades of experience. We fight with insurance companies regularly. We sue them regularly, and we win regularly. Contact us, we can tell you what your rights are, we can tell you what you’re entitled to, and we can fight for you.
Personal Injury Protection insurance is also known as PIP and it’s a great type of insurance coverage and you need to buy some. Get it from your own insurance agent, it will cover your medical bills up to $10,000. That’s the minimum limits, I think you need to buy more. I think you need to buy $35,000. It will protect you on that. No deductible, no copay, no pre-authorization, you just go and get your medical treatment and it pays 100% of that. It also will pay some wage loss, it pays some other expenses like babysitting, housekeeping, lawn care. Things like that that you can’t do because you’re injured. It’s a really great coverage, it’s not very expensive. Your premiums don’t go up and you need to get as much as you can of it. Even if you have health insurance.
It’s also known as UIM. UIM or Uninsured or Under-Insured, it all really means the same thing. It’s insurance that you buy from your own agent, it’s on your policy, you pay the premium for it. It steps in if the person who hit you doesn’t have any insurance, or doesn’t have enough insurance. It’s really important, it’s very inexpensive and it won’t make your premiums increase.
First, you should always contact the police, and report what happened. Second, you should get the medical care that you need to take care of yourself. Third, you should speak to an attorney that’s experienced with handling car crash cases, so that they can fight for you against the insurance companies.