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London Personal Injury Attorneys > Blog > Auto Accident > It Is Okay to Sue Your Insurance Company

It Is Okay to Sue Your Insurance Company


In Kentucky, when it comes to car accidents, drivers must turn to their insurance companies for compensation since Kentucky follows a no-fault system. A driver would only be allowed to step out of the no-fault system under specific circumstances. The no-fault law allows you to recover compensation regardless of fault. The no-fault insurance, also called Personal Injury Protection (PIP), provides coverage for up to $10,000 in medical expenses, lost wages, and other costs, such as in-home health services. As a policyholder who is never late on paying your auto insurance premiums, you expect that when you file a compensation claim with your insurance company after a car accident, the claim will be approved as long as it is legitimate. However, this is not always the case. Sometimes, insurance companies deny legitimate insurance claims. In the event that your insurance company refuses to pay you the benefits you are entitled to, one option you may have is suing your insurance company. You may wonder, “Why would I sue my insurance company?” As car accident attorneys, we encounter many people who do not want to sue their insurance company for coverage they pay for. You need to know that it is okay to sue your insurance company. However, before suing your insurance company, you must ensure it is worth it.

Why It Is Okay to Sue Your Own Insurance Company

Insurance companies are good at taking policyholders’ premiums. However, some of these companies are not as good at paying out compensation. Some insurance companies deny legitimate claims. If your insurance company denies your legitimate compensation claim, you should know that it is okay to take legal action against your insurer.

First, when you purchased your policy, you entered into a contractual agreement with your insurance company. Like any other contract, you and your insurance company are bound by certain contractual obligations. You are required to pay your premiums without fail, and in return, your insurance company is required to pay you when you file a legitimate compensation claim. When your insurance company denies your legitimate claim, it fails to fulfill its end of the bargain. You have the right to seek legal recourse.

Second, if your insurance company acts in bad faith, you have the right to sue them, as insurance companies are required to act in good faith. Insurance companies engage in various deceptive and unfair practices, including the following;

  • Making unreasonable requests
  • Denying valid claims
  • Delaying payments
  • Failing to investigate
  • Refusing to communicate
  • Withholding information

If your insurance company acts in bad faith, you are not only allowed to take legal action but doing so is a matter of holding the insurance company answerable for their unethical conduct.

Finally, it is okay to sue your insurance company because while you might think that suing your insurance company is an adversarial act, it is not. Instead, it is necessary to enforce your legal rights and protect yourself. Suing your insurance company may prompt them to reconsider and pay you the compensation you are owed.

Contact a London & Southeast Kentucky Auto Accident Lawyer

If you have been in an auto accident and need help recovering the compensation you deserve from your insurance company, contact the skilled London & Southeast Kentucky auto accident lawyers at Cessna & George Law Firm.



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