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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.

 

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Goings Law Firm, LLC, LawyersPersonal Injury & Property Damage, Columbia, SC

TESTIMONIALS

“Robert and his team were very personable and attentive to our needs. They worked diligently for four years to ensure that justice was served and that we would come out more victorious than we could imagine. We were truly blessed when we found the Goings Law Firm. Robert’s individual approach, knowledge, and dedication to our case was remarkable and the outcome was a success. He was the best lawyer in the courtroom, hands down. When the going got tough we got Goings and you can’t go wrong with Robert Goings’s law firm!”

“After an accident that resulted in a personal injury which took me over a year to recover, I tried to negotiate with the insurance company to no avail. The first attorney I met with rejected my case. A friend recommended Robert Goings to me. After my first meeting with him I was completely relieved and felt assured that he could help me. Robert kept me informed, worked diligently and finally got the policy limit for the injury I had sustained. Robert is very professional, easy to talk to and an outstanding attorney who provides a quality service to his clients. The members of his staff are very competent, friendly and helpful as well. I would recommend Robert to anyone and also seek his advice again if I am ever in need of legal counsel.”

“When I was needing a Attorney for my case I was given the name of Robert Goings from Columbia, SC… I knew right off that Robert was the Attorney for the case and didn’t waste anytime and he didn’t waste anytime getting started on the case… Robert assured me he would be researching and investigating everything that he needs to make a case and win in court if and when that time comes… Robert was very thorough in everything he needed to complete and make the case strong and showed integrity of all the hearings I attended for my case. He will not leave any cracks in a case and if something didn’t seem right or felt right he would research it till he got the answer he was looking for… My case did take close to two years before it was settled. Robert and his firm did an outstanding job even when things to me wasn’t sounding like it was going our way. It was Justice and Honor of what he brought that won the case over for a very good settlement. If I had to do this over again with no doubt in mind Robert Goings would be my Attorney.”

“My family and I began a relationship with the Goings Law Firm in 2010. Mr. Goings and his staff are one of the most professional law firms I have ever been associated with. My family was treated with respect and kindness by Mr. Goings and his staff. Their work ethics and attention to details were top notch. They took the time to explain the processes and expectations in terms we could understand. I look forward to working with Mr. Goings again in the future.”

“From our initial conversation Robert listened to our predicament with concern. He was able to put us at ease about our situation and gave us reassurance that everything would work out. Robert went to work for us and was able to resolve the issue most expeditiously meeting all of our expectations. I can’t say enough about Robert & the Goings Law Firm. If I am ever in need of an attorney again, Robert will be the first person I call.”

“My experience as a client for Mr. Goings was exceptional. Mr. Goings was the only attorney to reply to my initial inquiry about a workplace injury. My case may have seemed too small or trivial to other firms, however Mr. Goings was willing to listen from day one. From the very beginning, he treated me as if I was a longtime associate or client. He knew every step of the way and always made himself available whenever questions arose. No question for Mr. Goings was beneath him. Throughout the entire process, I was comfortable that he was at the wheel of my case. He truly does care about his clients and it shows in his dedication and professionalism. It is rare to find any business today, operating at the standard, the Robert Going’s Law Firm sets. The bar he and his staff sets is high. If Mr. Goings practices in an area of law specific to your needs, I wouldn’t bother calling anyone else.”

“One of the best I ever worked with, clear from the start, explained all options with risks involved, honest, prompt, and delivered as promised.”

“Robert is a master when it comes to litigation. He has helped my family and me on several occasions, and he always had our best interest at heart and in practice. He has truly done some amazing legal work for us, and we highly recommend him. He is a personable professional, and his astute knowledge of the law is quite impressive.”

“From the moment Robert received my first phone call until the conclusion of the legal matter, there was nothing but exceptional and first-class representation. I did not hesitate a moment or second-guess my decision with Robert representing me. Robert and his staff are professional, courteous, responsive, and effective. Robert is a genuine advocate for his client and delicately balances carrying a sword and a shield for justice.”

“Robert Goings is an excellent civil attorney. Mr. Goings took my mom’s difficult case and was successful in winning a jury verdict in her favor. I would highly recommend Mr. Goings if you are in need of a fierce legal advocate who is both very knowledgeable and compassionate!!”

“Mr. Goings far exceeded any and all expectations I had for a lawyer. He went above and beyond to ensure that I received the best results possible for my case. With me being active duty military, he helped with ensuring scheduling of matters around the military. I think best of all he was how knowledgable he is on how the injury was going to affect my military service. If you’re in need of a personal injury lawyer in South Carolina this is your guy!!”

“I had an awesome experience with Mr. Goings and highly recommend him as lawyer. He was very clear about my case and gave me follow-up reports in a timely manner. My results were better than I expected and I owe it to this awesome lawyer. THANK YOU! If I ever need a lawyer again, I am definitely calling Mr. Goings. My family and I thank you for all your help.”

“Mr. Goings was my first attorney I’ve ever needed. With a fear of not knowing what to do or where to turn Mr. Goings took my case and and made me feel like dear friend I have knew for years. He has a great staff who is there for any help at any time I needed them. Mr. Goings will be the only person I will ever turn to if I need any assistance in the future and I encourage anyone to go to him for anything legal matters. Thank you again Mr. Robert Goings and the Goings Law Firm staff.”

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

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.

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.

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!

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.

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!

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!!

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.

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.

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.

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.

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.

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.

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.

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!

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.

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.

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

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!

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