If you’ve been in a car accident that wasn’t your fault, you deserve compensation to fix or replace your car and for your injuries. That payment usually comes from the other party’s auto insurance. However, while most insurance companies are reputable and don’t intend any harm, sometimes companies act in their own self-interest to avoid paying your compensation instead of working with you.

Pay attention to the following three signs as you work with the insurance company after the auto accident. If you’re being treated in these ways, you should seek legal help to ensure you get a fair settlement.

1. They Pressure You to Say or Sign Things
After an accident, an adjuster from each party’s insurance company makes an assessment of what happened, who’s at fault, and how much the damage costs. You need to work with your own insurance company so that they have the information they need, so you may need to give a statement and answer their questions. If you’re at fault, your insurance company will use this information to decide how much compensation to give the other party.

However, if you’re not at fault for the accident, the other party’s insurance company will need to speak with you, which is fine. However, some companies want to record the conversation so that they can use anything you say against you and avoid paying you fair compensation. Alternatively, you may be pressured to sign documents that waive some of your rights.

If the other party’s insurance company insists on recording your statement or repeatedly demands that you sign documents you don’t agree with or understand, you need legal representation to make sure that you get your fair compensation.

2. They Ignore Your Calls
Insurance companies are notoriously complex and bureaucratic. While some insurance companies are easy to communicate with, others are more like a black box. If the other person’s insurance company ignores your efforts to communicate with them, it’s probably because their adjusters have too much work on their plates—but that doesn’t make their behavior okay.

Generally, you can solve the problem by simple persistence. If you call often, you’re much harder to ignore, so it’s more likely that you’ll get the information you need and your case will move forward. However, if you’re constantly calling and you still can’t get any answers, it’s time to bring in legal reinforcements. Have a lawyer contact the company—they’ll probably respond very quickly.

3. They Underpay You or Refuse to Pay at All
Sometimes insurance companies balk when asked to pay compensation. After all, insurance companies are businesses, so their primary aim is to make money. While some companies are ethical and easy for accident victims to work with, some are not.

Even if you’re not at fault for the accident, an insurance company might try to claim that you contributed to the accident, so you’re partially at fault. They also may claim the crash was no one’s fault at all. If they can say that their customer wasn’t completely at fault for the accident, then they can underpay you or refuse to pay you at all.

If the insurance company refuses to pay or tries to give you a suspiciously low amount of compensation, you need to speak with a lawyer who can help you fight the decision.


The office of D. Chadwick Calvert, LLC, can help you fight for fair compensation if you’ve been hurt in an auto accident in the Denver, CO, area. Give us a call today to schedule a consultation with an attorney so you can get started. We’re ready to help, and we’ll guide you through this process.