“How do I find out how much insurance the other person has in my Alabama car wreck case?”
So you’ve been in a car wreck, and you know the other side has insurance. Maybe it is State Farm, Allstate, Geico, etc.
A natural question to ask is how much insurance the other side has because that can impact how the case works.
It’s important to find this information out.
For example, let’s say you have $100,000 worth of injuries, and the other side only has $25,000 worth of insurance. The other side may say that you should settle the case for that much.
We’re not saying that you should settle for that amount, but it is something you should consider.
What if they have a million dollars in insurance, and they demand that you settle for less than your $100,000 in injuries?
You need to know these things so you can make good decisions about your case.
The short answer is that you ask them.
They may tell you how much insurance they have, or may not. It just depends on the people involved in the case.
Until there’s a lawsuit, you can’t make them tell you how much insurance they have.
The flip side of that, however, is that you don’t have to settle with them.
They can call you and write you letters saying that it’s outrageous for you not to settle because they only have “X” amount of insurance.
You can ask for proof that they only have a certain amount of insurance, then make your decision.
They can decline to show you evidence, and you can decline to settle with them.
When you decide to sue them, then you can make them tell you how much insurance they have.
When we’re dealing with insurance companies, we usually tell them upfront that they can decline to give us the insurance information, but we will sue their client. Then we will get the amount.
Their client will find out that they were sued because the insurance company wouldn’t tell us how much insurance they have.
The insurance companies hate telling you how much insurance their client has, and it’s ridiculous how often they refuse to give that information.
But we will get it either before suing (and likely we will be able to settle if they are reasonable) or we will get it after we sue. But we never settle without this information.
Hope this is helpful to you!
It’s amazing how difficult the insurance companies make these cases by not giving simple information, and ultimately it hurts them more by acting stupid.
If you live in Alabama and you’re dealing with an insurance company like this, give us a call.
You can reach us by phone at 1-205-879-2447, or you can fill out a contact form and we will get in touch with you quickly.
We look forward to helping you in any way we can.
Thanks for reading, and have a great day!