How Insurance Works When It’s Not Your Fault

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By: Bill Henry
PublishedDec 1, 2021
2 minute read

You should use your insurance when it’s not your fault. Yes, you read that correctly. Robinson & Henry’s Litigation Attorneys recommends you file a claim with your insurance company – even if someone hits your car or a contractor damages your house.

You Can Use Your Insurance When It’s Not Your Fault

It’s against the law for insurance companies to unreasonably deny or delay a covered insurance benefit. If you’re in this situation, set up some time to talk with one of our litigation attorneys experienced in dealing with insurance companies. Call 303-688-0944 to begin your case assessment with Robinson and Henry.

Our litigation attorneys talk to clients all the time who have been in car crashes, dealing with problematic HOAs, or taken by a bad contractor. These clients are almost always calling about the driver who hit them, what their HOA is doing, or how the contractor damaged their home. Of course, we must discuss these facts about their case. But what most clients don’t think of when they’re facing these issues is their own insurance coverage.

When you’re in a car accident, or your HOA is not doing what it’s supposed to be doing, or a contractor damages your house, you should also use your insurance when it’s not your fault. Why? You may be able to file your own claims.

Why You Should Use Your Insurance When It’s Not Your Fault

You purchase insurance to protect you against all types of events, including the ones we listed above. We always encourage people who have suffered some sort of loss, either in the auto accident realm or the homeownership realm, to make sure they make that claim with their insurance company.

Even if the company ends up denying the claim, you often get some good information out of that. And that information sometimes leads to a claim against the insurance company if it had a bad reason to deny or delay the claim.

So, one should always look to their own insurance company when they suffered a loss in a car accident or with their home. Remember, even if the damage was caused by someone else, your insurance may still cover it.

Set Up a Meeting with an Attorney

Insurance companies create long policies full of industry jargon that can be difficult for people to understand. If you’re questioning whether your insurance company should have paid your claim, set up some time to speak with one of our insurance claims attorneys. They’re familiar with these policies and can help you make sense of it. And if our attorneys believe your insurance company unreasonably denied your claim, we can help you. Call 303-688-0944 to start your case assessment with us.

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