This form is a sample letter in Word format covering the subject matter of the title of the form.
This form is a sample letter in Word format covering the subject matter of the title of the form.
The reason that you typically cannot sue the other driver's insurance company directly is that the insurer has no legal obligation to you. Instead, the insurer's obligation is to their policyholder (the at-fault party).
You should try to contact the supervisor of the adjuster (if there is one). If not, you can report the company to your state's insurance commission. You may also want to consult with a personal injury lawyer (if you were injured).
You may be able to sue your insurance company for bad faith if they intentionally neglect to perform the duties necessary ing to your policy. If the insurance company knows that the claim is valid but they deny it anyway, you may be able to sue for bad faith.
Insurance companies are regulated by the California Department of Insurance. Individuals who have had their claims denied in bad faith can file a consumer complaint with the department. An attorney can help walk you through the process and help to ensure you receive the recovery you deserve after an accident.
If you REALLY want to threaten to sue, you've got to do it the right way. And you're not really threatening. Instead, you're inviting the insurance company to begin negotiating with you. The ONLY way they might reasonably be willing to do that is if you can show them that you're right and they're wrong.
In insurance, negligence is the failure to take reasonable action to prevent damage or harm to either a person or property. Get a quote.
If they violate that obligation, many states, North Carolina being one of them, allow the insured person to sue the insurance company. In North Carolina, the state law allows punitive damages against insurance companies as a mechanism to prevent future bad behavior.
Insurance companies sometimes sue their insured when there are disputes about coverage. An insurance policy is a contract, so courts can be asked to resolve contractual disputes when coverage issues exist.
Don't make “I think” or “in my opinion” statements. If your insurer asks a question that you don't know the answer to, don't offer a guess or opinion. Any of your answers can be used to argue against your claim, so be careful not to say anything that isn't fact.