Don’t Wait for an Accident: Hire an Auto Accident Insurance Attorney Today!

Many people think that hiring an auto insurance lawyer can wait till you already have an accident. However, that is not the case. The age-old adage ‘forewarned is forearmed’ is as true today as it was when it was coined for the first time.

Post-accident trauma can be so severe that legal issues may be the least of your worries. Sometimes, people trust insurance companies to pay their claims since they have been paying their premiums to the insurance company for ages.

Unfortunately, this does not always happen, and you are left typing ‘motor vehicle accident attorneys near me’ in the search bar of your favorite search engine to find one as soon as possible. This is why it is very important for you to know and understand your options beforehand.

Let us suppose that your auto accident claim has been denied by your insurance service provider or you have reached a stalemate with regard to your car accident settlement negotiations. Here, an auto accident lawyer may be able to help move things alone in the right direction. They can help you break the impasse and make sure that the insurance company has a reason to listen to you and keep working with you. Alternately, they might advise you to file a lawsuit in order to get you the car accident damages that you feel you deserve.

Always remember that your auto insurance policy is basically a contract between the insurer and the insured party.

If your insurance service provider fails or in any way refuses to pay all due claims that should be paid under the terms and conditions of the policy, this will count as a breach of the contract. This means that the insured party will have the right to pursue all available legal remedies for this breach. This also includes the right to file a lawsuit against the company. It is important to note that this lawsuit can also include other damages such as the expenses and costs of the suit.

a man with a personal injury meets his board certified legal representation

Your Auto Insurance Lawyer Can Help You Handle Coverage Denials

If your auto accident claim has been denied for whatever reason,  you should ask the insurance adjuster handling your claim to put the denial in writing. They should quote the specific policy due to which this denial has come about. Study the language pertaining to the denial with reference to your specific claim.

In case you disagree with the reasons and the basis for the denial, you should consult your car accident lawyer since they would have the expertise to specialize in working on denied claim cases.

If your auto insurance lawyer checks the language of the denial and determines that you have a real reason to dispute the denial, they will be in a much better position to advise you with regard to your next step in the claims process.

Apart from that, they can also guide you through the procedure of using the insurance company’s own internal appeals and/or dispute process. If that does not work, you might consider legal action after consultation with your legal adviser.

Providing Assistance with Dispute Resolution

There are many different dispute resolution options available to you when it comes to getting your claim approved. Your car insurance lawyer can also help you with many of them in the following manner:

  • Negotiation

The auto insurance attorney can conduct negotiations on your behalf with the insurance service provider and try to get them to reopen your case in any event where coverage has been unfairly denied. They might be able to put a certain amount of pressure on the insurance company which, in turn, should lead to a more effective renegotiation. This way, you can look forward to a much fairer and more transparent settlement with respect to the damages you claim.

  • Arbitration

Many insurance policies also contain a provision that allows arbitration of any disputes that might occur between the insurance company as well as the insured party. Here, the arbitration is more of a procedure for the resolution of the dispute either by or through the use of neutral individuals who will be the arbitrators for said dispute. This is considered an easier and more convenient alternative to a formal lawsuit. It is also a relatively inexpensive and considerably faster method of resolving any contract disputes when compared to a formal court proceeding.  As a general rule, the procedure is seldom available unless specifically mentioned or stated in the policy document itself.

  • Small Claims Court

This option can only be availed if the claimed amount is below the maximum amount as specified by the state. Usually, the maximum amount is $2,500 in the small claims court. However, you should be very careful about taking the matter to this court because all such settlements are deemed to be final. It will be a very good idea to consult with your lawyer prior to approaching this court.

If you feel that none of the above options are working for you and you are being denied your claim, you can ask your car accident attorney to file a formal lawsuit against your insurance company. This might be your last recourse to acquire the full value of your original claim.

The lawsuit should, however, only be used as the last resort, and you should not attempt to go to court without the advice of your legal representative.

injured man talking to a personal injury lawyer about compensation. he has a cast on his arm and head after a personal injury accident

Conclusion

If you have exhausted all other avenues and decide to contest the decision of the insurance company in a court of law, you will have to do so within a certain period of time. Every state has its own statutes regarding the time allowed for filing such a case so you might consider acting without delay. Ask your auto insurance lawyer to do the needful as soon as possible.

Good luck with your claim!

    1. Each claim is different and must be evaluated on its individual facts.  It is important to understand that prior results do not guarantee that similar results can be achieved in any future case or cases.
    2. There are different limits as per the laws of different states and they can vary between $2500 to $25,000

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Notice of Data Security Event
Updated March 28, 2025

The Law Offices of Jason E. Taylor is providing notice of an event that may affect certain individuals’ information. Although we have no indication of identity theft or fraud in relation to this event, we are providing information about the event, our response, and additional measures individuals can take to help protect their information, should they feel it appropriate to do so.

What Happened? On October 28, 2024, The Law Offices of Jason E. Taylor identified suspicious activity related to our email system. We quickly took steps to investigate and determined that an unknown actor may have accessed certain emails within our email system between August 7 and November 7, 2024. We then conducted a comprehensive review of the potentially affected emails and attachments to determine what information was contained therein and to whom the information related, which was completed on February 25, 2025. Unfortunately, we were unable to verify the addresses of certain affected individuals, so we are providing this notice to ensure potentially affected individuals receive information about the event.

What Information Was Involved? The information affected may include individuals’ Social Security number, driver’s license and state ID information, financial account number, and health information.

What We Are Doing. We are notifying individuals about this matter and providing guidance about free resources that are available to assist with monitoring relevant accounts, credit reports, and how to place a fraud alert or security freeze on one’s credit file. Further, as with our typical security practices, we will continue to evaluate our policies, procedures, staff training, and technical security measures to reduce the likelihood of an event like this reoccurring.

What Individuals Can Do. We encourage you to remain vigilant against incidents of identity theft and fraud by reviewing your account statements and monitoring your free credit reports for suspicious activity and to detect errors. We also recommend you review the below “Steps Individuals Can Take To Help Protect Personal Information”.

For More Information. If individuals have questions about this matter, we have a dedicated assistance line with agents ready to answer their questions. Please contact our toll-free dedicated assistance line at 1-800-939-4170, Monday through Friday from 9 a.m. through 9 p.m., excluding holidays. You may also write to us at The Law Offices of Jason E. Taylor, Attn: Compliance, P.O. Box 2688, Hickory, NC 28603.

Sincerely,

The Law Offices of Jason E. Taylor

STEPS INDIVIDUALS CAN TAKE TO HELP PROTECT PERSONAL INFORMATION

Monitor Your Accounts

Under U.S. law, a consumer is entitled to one free credit report annually from each of the three major credit reporting bureaus, Equifax, Experian, and TransUnion. To order a free credit report, visit www.annualcreditreport.com or call, toll-free, 1-877-322-8228. Consumers may also directly contact the three major credit reporting bureaus listed below to request a free copy of their credit report.

Consumers have the right to place an initial or extended “fraud alert” on a credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer’s credit file. Upon seeing a fraud alert display on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit. If consumers are the victim of identity theft, they are entitled to an extended fraud alert, which is a fraud alert lasting seven years. Should consumers wish to place a fraud alert, please contact any of the three major credit reporting bureaus listed below.

As an alternative to a fraud alert, consumers have the right to place a “credit freeze” on a credit report, which will prohibit a credit bureau from releasing information in the credit report without the consumer’s express authorization. The credit freeze is designed to prevent credit, loans, and services from being approved in a consumer’s name without consent. However, consumers should be aware that using a credit freeze to take control over who gets access to the personal and financial information in their credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application they make regarding a new loan, credit, mortgage, or any other account involving the extension of credit. Pursuant to federal law, consumers cannot be charged to place or lift a credit freeze on their credit report. To request a credit freeze, individuals may need to provide some or all of the following information:

1. Full name (including middle initial as well as Jr., Sr., II, III, etc.);
2. Social Security number;
3. Date of birth;
4. Addresses for the prior two to five years;
5. Proof of current address, such as a current utility bill or telephone bill;
6. A legible photocopy of a government-issued identification card (state driver’s license or ID card, etc.); and
7. A copy of either the police report, investigative report, or complaint to a law enforcement agency concerning identity theft if they are a victim of identity theft.

Should consumers wish to place a credit freeze or fraud alert, please contact the three major credit reporting bureaus listed below:

Equifax Experian TransUnion
https://www.equifax.com/personal/credit-report-services/ https://www.experian.com/help/

https://www.transunion.com/credit-help
1-888-298-0045 1-888-397-3742 1-800-916-8800
Equifax Fraud Alert, P.O. Box 105069 Atlanta, GA 30348-5069 Experian Fraud Alert, P.O. Box 9554, Allen, TX 75013 TransUnion Fraud Alert, P.O. Box 2000, Chester, PA 19016
Equifax Credit Freeze, P.O. Box 105788 Atlanta, GA 30348-5788 Experian Credit Freeze, P.O. Box 9554, Allen, TX 75013 TransUnion Credit Freeze, P.O. Box 160, Woodlyn, PA 19094

Additional Information

Consumers may further educate themselves regarding identity theft, fraud alerts, credit freezes, and the steps they can take to protect their personal information by contacting the consumer reporting bureaus, the Federal Trade Commission, or their state attorney general. The Federal Trade Commission may be reached at: 600 Pennsylvania Ave NW, Washington, DC 20580; www.identitytheft.gov; 1-877-ID-THEFT (1-877-438-4338); and TTY: 1-866-653-4261. The Federal Trade Commission also encourages those who discover that their information has been misused to file a complaint with them. Consumers can obtain further information on how to file such a complaint by way of the contact information listed above. Consumers have the right to file a police report if they ever experience identity theft or fraud. Please note that in order to file a report with law enforcement for identity theft, consumers will likely need to provide some proof that they have been a victim. Instances of known or suspected identity theft should also be reported to law enforcement and the relevant state attorney general. This notice has not been delayed by law enforcement.

For District of Columbia residents, the District of Columbia Attorney General may be contacted at: 400 6th Street, NW, Washington, DC 20001; 1-202-442-9828; and oag.dc.gov.

For Maryland residents, the Maryland Attorney General may be contacted at: 200 St. Paul Place, 16th Floor, Baltimore, MD 21202; 1-410-576-6300 or 1-888-743-0023; and https://www.marylandattorneygeneral.gov/.

For New Mexico residents, consumers have rights pursuant to the Fair Credit Reporting Act, such as the right to be told if information in their credit file has been used against them, the right to know what is in their credit file, the right to ask for their credit score, and the right to dispute incomplete or inaccurate information. Further, pursuant to the Fair Credit Reporting Act, the consumer reporting bureaus must correct or delete inaccurate, incomplete, or unverifiable information; consumer reporting agencies may not report outdated negative information; access to consumers’ files is limited; consumers must give consent for credit reports to be provided to employers; consumers may limit “prescreened” offers of credit and insurance based on information in their credit report; and consumers may seek damages from violators. Consumers may have additional rights under the Fair Credit Reporting Act not summarized here. Identity theft victims and active-duty military personnel have specific additional rights pursuant to the Fair Credit Reporting Act. We encourage consumers to review their rights pursuant to the Fair Credit Reporting Act by visiting www.consumerfinance.gov/f/201504_cfpb_summary_your-rights-under-fcra.pdf, or by writing Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave NW, Washington, DC 20580.

For New York residents, the New York Attorney General may be contacted at: Office of the Attorney General, The Capitol, Albany, NY 12224-0341; 1-800-771-7755; or https://ag.ny.gov.

For North Carolina residents, the North Carolina Attorney General may be contacted at: 9001 Mail Service Center, Raleigh, NC 27699-9001; 1-877-566-7226 or 1-919-716-6000; and www.ncdoj.gov.

For Rhode Island residents, the Rhode Island Attorney General may be reached at: 150 South Main Street, Providence, RI 02903; 1-401-274-4400; and www.riag.ri.gov. Under Rhode Island law, individuals have the right to obtain any police report filed in regard to this event.
STEPS INDIVIDUALS CAN TAKE TO HELP PROTECT A MINOR DEPENDENT’S PERSONAL INFORMATION

Typically, credit reporting agencies do not have a credit report in a minor’s name. To find out if a minor has a credit report or to request a manual search for a minor’s Social Security number each credit bureau has its own process. To learn more about these processes or request these services, consumers may contact the credit bureaus by phone, writing, or online:
Equifax Experian TransUnion
https://www.equifax.com/personal/help/article-list/-/h/a/request-child-credit-report/
https://www.experian.com/help/minor-request.html
https://www.transunion.com/fraud-victim-resources/child-identity-theft

1-800-685-1111 1-888-397-3742 1-800-916-8800
P.O. Box 105788
Atlanta, GA 30348-5788 P.O. Box 9554
Allen, TX 75013 P.O. Box 2000
Chester, PA 19016

To request information about the existence of a credit file in a minor’s name, search for a minor’s Social Security number, place a security freeze or fraud alert on a minor’s credit report (if one exists), or request a copy of a minor’s credit report consumers may be required to provide the following information:
● A copy of their driver’s license or another government issued identification card, such as a state identification card, etc.;
● Proof of address, such as a copy of a bank statement, utility bill, insurance statement, etc.;
● A copy of the minor’s birth certificate;
● A copy of the minor’s Social Security card;
● The minor’s full name, including middle initial and generation, such as JR, SR, II, III, etc.;
● The minor’s date of birth; and
● The minor’s previous addresses for the past two years.

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