Columbia Insurance Claims Lawyers

In the aftermath of a serious Columbia car accident, many people are rightfully concerned about their recovery first and foremost. Unfortunately, however, the costs of medical care, physical rehabilitation, and property damage can prevent Columbia accident victims from gaining access to the necessary resources on their own. When an accident occurs and an insurance company fails to honor its financial obligations, victims in Columbia may be left to shoulder the financial burden alone.

If, upon being involved in a car accident, you have encountered a disagreeable insurance provider, our Columbia insurance claims lawyers at the Goings Law Firm, LLC are ready to fight for your rights. Our legal team understands the ways in which insurance companies may attempt to undermine their financial commitments, and we are committed to holding them accountable so that you receive the funds that you need.

Situations that May Necessitate an Insurance Claims Attorney

An experienced Columbia insurance claims lawyer may be necessary to help you gain fair compensation when an insurance company representative engages in one or more of the following behaviors:

  • Attempts to pressure you into taking a quick, but an unfair, settlement
  • Offers inadequate compensation for accident-related medical costs

South Carolina’s statute of limitations may prevent you from challenging a settlement claim after a certain time limit has been exceeded. As such, individuals in Columbia who wish to challenge an insurance claim are encouraged to do so as soon as possible.

Why Hire Us?

You should not try to hand an insurance claim without an attorney because the insurer will attempt to use your inexperience with insurance claims against you. The insurance company can be misleading when communicating with you, especially early in the process. It is very likely that the insurance agent who initially contacts you will express what seems like sincere concern and may even promise to make sure that you are taken care of.

However, you should be very wary. Do not say anything except to let the insurance agent know that you’ve retained legal counsel and all communication should be done with your attorney. Provide your attorney’s name and phone number and hang up.

Goings Law Firm, LLC will step in and immediately begin negotiating for a full and fair settlement to your case that covers all the damages you have suffered because of your accident. If the insurance company does not make an acceptable offer, we will not hesitate to file a lawsuit to take your case to court.

Frequently Asked Questions (FAQs) About Insurance Claims

How long does it take an insurance company to process an injury claim?

The amount of time it takes an insurance company to review your claim can vary depending on the insurer and other factors, but you should generally prepare for a lengthy waiting period. Insurers know that it is to their advantage to delay prompt handling of these claims because every day that passes is another day closer to the legal time limit that a person has to file a lawsuit.

While you are waiting, the insurance company may offer you a lump sum settlement. This is not a fair or just settlement but is designed to lure vulnerable accident victims into immediate acceptance because they are facing financial hardship.

Do not take the insurance company’s offer of a lump sum settlement to close your case. Once you agree to their settlement, you will not be able to make any more claims for additional compensation.

You need a knowledgeable attorney to represent you with insurance companies. Personal injury attorneys have vast amounts of experience dealing with insurance companies, and they will know how to get you the compensation you deserve.

Can my insurance policy be canceled for filing an insurance claim?

It could. Insurance companies will cancel automobile insurance policies for drivers they consider to be a high-risk driver. If you have filed multiple claims with your insurer, you could be considered a high-risk driver (and, therefore, a liability for the insurance company).

For most people, though, filing a claim might result in a rate increase, but a single claim alone will not usually be a reason to discontinue your coverage.

How does an insurance deductible work?

The insurance deductible refers to the portion of a covered loss that you have agreed to pay before the insurer will begin paying for that loss. The size of a deductible will depend on a person’s specific insurance policy since some people who have higher deductibles for accidents usually pay lower insurance premiums.

You will still have to pay the deductible on an insurance claim if you are filing it with your insurance company, even if you were not at fault for your crash. Some people do not see the point in filing insurance claims when the deductible seems to higher their possible damages, but this can be a mistake. You should always file a claim in case your injuries worsen and the value of your claim also increases.

Am I required to file a police report for my accident?

In South Carolina, police reports are required only with fatal crashes. However, an insurance company will likely require a police report before it will consider your claim.

You always want to contact law enforcement after an accident to file a police report because the police report may contain critical evidence in many personal injury cases. Law enforcement can provide valuable evidence by recording the specific factors involved in an accident and they may also provide some opinion about how an accident occurred.

What happens when a vehicle is totaled in an accident?

The South Carolina Department of Motor Vehicles (SCDMV) states that when an insurance company settles a claim on a wrecked vehicle, it must determine the loss as a percentage of the fair market value of the vehicle before the loss. Therefore, a vehicle with a loss of 75 percent or more of its fair market value must be declared a total loss.

A totaled vehicle can be a major complication for a person who has an outstanding automobile loan that is higher than the value of their vehicle. A knowledgeable lawyer can be a great asset in negotiating a higher payout for a totaled vehicle since insurance companies frequently undervalue the Blue Book value of automobiles so they can declare them totaled in an accident.

South Carolina Insurance Claim Statistics

The Insurance Information Institute (III) reported in October 2016 the breakdown, in percentages, of what insurance premiums covered in 2015:

  • Bodily injury liability: 24%
  • Property damage coverage:18%,
  • Collision coverage: 26%
  • Comprehensive coverage:12%
  • Miscellaneous coverages:12%

The insurance industry had $206.3 billion in losses and expenses in 2015 compared to $198.8 billion in written premiums.

According to the III, collision claims increased 5.7 percent in 2015 and bodily injury claims also increased by 4.1. Driver fatalities in 2015 jumped to 8 percent higher than the previous year as well.

Contact a Columbia Insurance Claims Lawyer Today

At the Goings Law Firm, LLC, our Columbia insurance claims attorneys understand how frustrating it can be when insurance companies fail to honor their financial obligations following a car accident. To discuss the particulars of your situation with one of our lawyers today, please call our Columbia offices at (803) 350-9230.

 

What Clients are saying

100 stars! Mr. Goings and his staff did an amazing job in handling my case! They were with me every step of the way and made sure my case was handled with my best interest at heart! The process could not have been any easier. I am forever grateful to Mr. Goings and his team. South Carolina’s best attorney!

- Tiffany AL

Robert is the best attorney ever… you need legal representation. .. he is the one to go to.

- Jason D

After representing me after I fell down the stairs at work and injured my back, I would recommend the Goings Law Firm to handle any personal injury matter. Robert and Jessica made me feel like my case mattered to them and that my goals were their goals. They were tireless advocates for me yet they were also willing to be upfront and honest in their assessments of my options going forward. I never felt pressured to choose one course of action over the other. They treated my case like their own.

- Anonymous

Mr. Goings is an outstanding attorney. Dealing with a personal injury case can be frustrating and quite stressful. Mr. Goings and his office took care of my case with the upmost compassion and professionalism. They treated me like family. Mr. Goings is hard-working and determined to fight for his clients’ rights. I highly recommend him to anyone in need of a personal injury attorney.

- Anonymous

When I looked for an attorney for my bad car accident, I read the reviews for the Goings Law Firm. This firm had great reviews so I contacted them. Thankfully, Mr. Goings took my case and fully explained the process to me and he took the worry out of my mind. Before hiring him, I tried to settle my case with the insurance company on my own, but I was low balled- Mr. Goings and his office got me a lot more than I ever imagined. A big thanks to his office!

- Anonymous

The Goings Law Firm went above and beyond assisting me after a serious auto accident. Robert Goings and Katie Gould were thorough and kind explaining every step of the process to me, sometimes more than once. Robert was persistent and professional making sure that we received the highest allowable compensation from all parties. I could not have been more pleased with the overall outcome.

- Car Accident Client

It has been a great experience having you represent my family as Our Attorney. I have learned a lot, and have come to understand the importance of good counsel. You and your team are the best. You guys are officially our family Law Firm. Thanks Robert.

- Workers’ Comp Client

Words cannot adequately express my gratitude for Robert Goings, and his amazingly talented team at Goings Law Firm, LLC. Mr. Goings was always genuinely concerned about my health, and overall well-being, was instrumental in recommending the best medical treatment plan for my injury, and most importantly, he treated me as if I were family. Mr. Goings was extremely attentive to every detail regarding my case, and he executed professional results and recovery, well beyond my greatest expectation.

- Slip and Fall Client

Robert Goings was my lawyer when I was in a terrible car accident caused by a drunk driver. I would not be where I am today without Robert and his staff. He worked very hard for me and was with me from the beginning to the end. He stuck to his word and got me the compensation that I deserved. I really appreciate what Robert and his office has done for me.

- Personal Injury Client

Mr. Goings worked tirelessly to resolve my husband’s case, despite the fact my husband wasn’t always the best client, and we still ended up with the best possible outcome because, in my opinion, we had the best attorney. Robert Goings is a professional, caring, experienced attorney with an amazing paralegal, Katie, and a wonderful support staff. If you need legal representation, The Goings Law Firm is the only call you need to make.

- Personal Injury Client

Mr. Goings stood up for my Constitutional Rights. He is a not your typical lawyer and you can trust him like a friend. His staff is very friendly, accommodating, and helpful throughout the entire process.

- Anonymous

Mr. Goings welcomed me in as family, he kept in contact with me about my case all the way to the end.. He works very hard to get justice.. Him and his team is very polite and hard workers.. He deserve more then 5 stars if I had to do it all over again he would be the call.. If anyone is looking for a personal injury lawyer he would be the right person to call don’t hesitate to call.. I thank him and his staff so much for everything they have done for me.

- Personal Injury Client

Hands down one of the BEST attorneys in the state!! Robert Goings exceeded all of my expectations. He welcomed me and my daughter with open arms and he kept me informed every step of the way. I knew exactly what was going on in my case and I really like that about him. His entire staff was awesome and I would definitely recommend him to anyone looking for a personal injury attorney. I guarantee you, you will be very pleased with Mr. Goings. Honestly, he definitely deserves more than 5 stars!!

- Personal Injury Client

After being rear ended in a car accident, I needed help navigating the insurance settlement. Having never needed the services of an attorney, I was very anxious about the whole process. Robert Goings & his staff were excellent to work with; at no point did I question my decision or feel that we would achieve anything less than the best possible settlement. I would never hesitate to recommend him to family, friends or strangers!

- Car Accident Client

Goings Law Firm was very helpful and patient with me. Goings Law Firm educated me about the legal side of things and help me understand my case. I would recommend Goings Law Firm to anyone.

- Workers’ Comp Client

Mr. Goings was caring and professional during a very difficult time in my life. I was faced with the sudden loss of my mother in a car accident, and Robert took the time to talk to me and check up on me throughout the duration of the case. I applaud his sensitivity and willingness to go the extra mile. I would recommend his firm to anyone that wants the best legal representation in South Carolina!

- Personal Injury Client

Robert and his staff have gone above and beyond, they are absolutely amazing at what they do. I would definitely call his office again if the need should arise.

- Workers’ Comp Client

I highly recommend Robert Goings! He is absolutely incredible!!! I had suffered from a dog bite injury and Robert went above and beyond to have me taken care of. He is extremely personable, I never felt like a “client”. He and his staff treated me as well as my family with genuine kindness. I am blessed to have had him take such great care of me and my case.

- Dog Bite Client

He was very kind and knowledgeable. He gave me status updates in a timely matter. I was VERY pleased.

- Personal Injury Client