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What happens when you’ve been involved in a car accident, and your auto insurer has denied your claim or refused to compensate you? In Idaho, consumers have protections under insurance laws against unscrupulous practices, such as wrongful denials.
However, these practices still occur, and thus, it isn’t uncommon for policyholders to sue their auto insurance providers. Suing an auto insurance provider also comes into play when uninsured motorist coverage (UM) or underinsured motorist coverage (UIM) is involved.
If you have a claim with your auto insurance company and have hit a roadblock, never wait to speak with a Caldwell, Idaho car accident lawyer from Andrew Injury Law. We can assess your options, including filing a possible lawsuit in civil court to obtain the insurance benefits you deserve.
In Idaho, you can sue your auto insurance company under certain circumstances. For example, if your insurance company acts in bad faith, such as unreasonably denying or delaying your valid claim, you may have grounds for a lawsuit. Typically, bad faith actions can include failure to investigate a claim adequately, offering an unreasonably low settlement, or unjustly denying coverage.
Idaho law also allows uninsured motorist (UM) and underinsured motorist (UIM) claimants to sue if their insurers fail to offer a fair settlement. If you’re injured in an accident caused by an uninsured or underinsured driver, and your insurer fails to handle your UM or UIM claim fairly, you may have additional legal recourse against them in court.
However, suing your auto insurance company should be a last resort. It’s usually better to first attempt resolution through negotiation or mediation. If these methods fail, consulting with a qualified Idaho car attorney can determine the viability of a lawsuit.
That’s why speaking with an attorney at Andrew Injury Law is imperative. We can help you determine if you have grounds to sue your auto insurer and if filing a lawsuit will be worth it.
Nobody with a valid claim deserves to be denied compensation by an auto insurance company. However, unfortunately, eligibility surrounding who can file a lawsuit against an auto insurer is complicated.
To put it simply, whether or not you’re eligible to sue an auto insurance company depends on how they handle your claim. If your insurer ignored, underpaid, denied, or dismissed your case when it was valid, you’re likely eligible to file a lawsuit against the car accident company. This is especially true if your insurer has mishandled your UM or UIM case.
Matt Andrew has been an attorney and member of the Idaho Bar since 2007 and has a varied and fascinating legal career. Since 2013, Matt has focused on representing seriously injured people in personal injury and workers’ compensation cases. Matt has successfully tried multiple cases to verdict before the Idaho District Courts and the Idaho Industrial Commission.
Member of the Idaho Bar since 2007
Bar Number: #7698
Location: Meridian, Nampa, and Caldwell, Idaho.
If you’re in a position where you might need to sue your auto insurance company for denying your claim or committing misconduct, you should consult a car insurance attorney from Andrew Injury Law who can defend your interests and help you determine if you have a valid claim and are eligible to sue.
Please never delay in contacting us today. We don’t want you to handle this alone, so we will work with you to explore all legal options that will better your chances at a fair settlement.
Client Reviews
Matt was very helpful in explaining the law and setting realistic expectations about my mothers case. He listened to the facts and gave solid advice about what to do next. I know his time is valuable and limited so I appreciated his complementary consultation and advice. I will definitely turn to him in the future.
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This page has been written, edited, and reviewed by a team of legal writers following our comprehensive editorial guidelines. This page was approved by Attorney Matthew Andrew, who has more than 20 years of legal experience as a personal injury attorney.
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