Can I Sue Travelers Insurance After a Car Accident?

Hiring a Car Accident Attorney in Your Area

You may have many questions when you are involved in a car wreck, we are here to help! We have compiled a list of the most frequently asked questions about filing personal injury claims and lawsuits against Travelers Insurance.

Answer: You may be eligible to sue your car insurance company, such as Travelers Insurance, after a car accident if they have mishandled your claim or otherwise acted in bad faith.

This is a choice that people frequently make after their claim has been denied or if they have received a lowball settlement offer that does not cover their expenses or injuries.

With the help of an experienced auto accident lawyer, and by filing a lawsuit against Travelers Insurance, you can receive fair financial compensation for damages caused by accident injuries.

To get started with a free case review and to learn more about your legal options after a car accident, contact LegalFinders today.

What to Know About Suing Travelers Insurance for an Insurance Claim

One of the most important things to understand about suing a car insurance company is the at-fault insurance laws for your state.

The laws in your state will affect whether you file a lawsuit against your own insurance company or the at-fault driver’s insurance company.

An experienced attorney can help you understand the laws in your state and how you should proceed with your case.

Is Suing Travelers Insurance the Same as an Insurance Claim?

Answer: An insurance claim with Travelers Insurance is not the same thing as filing a lawsuit against Travelers Insurance.

When a person gets into a car accident, their first course of action is to file an insurance claim. This is done in order to collect financial compensation for any injuries or damages that resulted from the accident.

The compensation that is offered from the claims process is not always satisfactory to the insurance customer, however. There are even times when a claim is outright denied, with no good reasons offered.

In these instances, the person may then choose to file a lawsuit against Travelers Insurance in order to try and collect the compensation that they were originally owed through their claim.

Eligibility for Filing a Car Accident Lawsuit Against Travelers Insurance

There are several different reasons why someone would want to file a lawsuit against their insurance company, one reason being that the company acted in bad faith.

Examples of how a car insurance company can act in bad faith include:

• Denying a claim without a reason or without investigating it first
• Refusing to pay a claim that is owed, or not paying a claim in a timely manner
• Ignoring a customer’s phone calls or other contact attempts
• Extending a payout offer that is well below what is deserved for the damages listed

It is not always obvious when a car insurance company, insurance adjuster, or claims adjuster has acted in bad faith. Yet a quality auto accident attorney can help you determine bad faith tactics and whether you have a right to legal action.

 

What Type of Lawsuit Can You File Against Travelers Insurance?

Answer: Car accident victims generally have two options when it comes to filing lawsuits against their car insurance company.

The two main types of lawsuits that a person can file against Travelers Insurance are:

• A person can file a personal injury lawsuit against Travelers Insurance in order to collect financial compensation for any injuries or damages incurred that have not yet been covered.
• A person can file a wrongful death lawsuit against Travelers Insurance if a loved one was fatally injured in a car accident and they were not appropriately compensated for this from their original claim.

If you are unsure what type of lawsuit you should file, it is usually best to consult with an experienced car accident attorney.

 

Factors in Car Accident Lawsuits Against Insurance Companies

Every car accident is different and the unique circumstances behind each accident will always play an important role in any lawsuits that are filed afterward.

Factors that can affect car accident lawsuits against insurance companies include:

• If the accident resulted in serious injuries or disability
• Whether there were any fatalities
• Whether the accident involved any uninsured motorists
• The extent of financial losses incurred from all damages
• What type of insurance coverage the customer had
• Whether there were any disputes about fault
• Whether injured parties are expected to recover

 

How to Sue Travelers Insurance After an Auto Accident

If you are interested in filing a lawsuit against Travelers Insurance after an auto accident, you can consider taking the following steps.

1. Get a Free Case Evaluation With a Car Accident Lawyer

Most reputable car accident lawyers will offer free consultations or case reviews to allow people to determine their eligibility without any upfront risks.

This case evaluation is a chance to tell your side of the story. Once you have found a car accident attorney that you can trust to handle your case, you can establish an attorney-client relationship.

2. File Your Car Accident Claim

Filing a car accident claim can be complicated and overwhelming without legal guidance, and it is vital that your claim be filed before the statute of limitations runs out in your state.

The statute of limitations in most states is two or three years. This may seem like a lot of time but it can pass by quickly.

3. Start Settlement Negotiations

Settlement negotiations can be one of the more complicated aspects of car accident cases, and at this point you will want to make sure that you have an experienced car accident lawyer on your side.

During the negotiations process, both parties must agree to a settlement amount in order for the case to move forward and close.

4. Move Your Lawsuit to Court

If a fair settlement cannot be reached, even after extensive negotiations, the case may move to court and be presented before a judge and jury.

Trials for car accident cases are rare, but you will want to work with a top-quality law firm and legal team in the event that your case moves to court.

Evidence You Need to Sue Travelers Insurance for an Insurance Claim

Just as evidence played a crucial role in your initial accident claim, it will also play a large role in your car insurance lawsuit.

Evidence needed for a lawsuit against Travelers Insurance can include:

• Photos from the accident
• Police report or accident report from the accident
• Insurance information for all motorists
• Personal statement
• Witness testimonials
• Medical records

A car accident can be overwhelming, but it is always a good idea to collect as much evidence as you can while still at the scene, because much of it could be helpful later on.

 

Travelers Insurance Coverage and How It Affects Lawsuits

Travelers Insurance, like most car insurance companies in the United States, offers three main types of insurance coverage.

Types of auto insurance coverage offered by Travelers Insurance include:

• Liability coverage — a type of insurance that covers a person in the event that they are found to be the at-fault driver for their accident.
• Collision coverage — a type of insurance that covers a person regardless of who is found to be at fault for their accident.
• Comprehensive coverage — a type of optional insurance coverage that covers a person for non-collision related accidents, such as those related to natural disasters or extreme weather events.

 

How Long Do You Have to Sue Travelers Insurance After an Accident?

Answer: In order to understand how long you have to sue after a car accident, it is important to be aware of the statute of limitations in your state regarding car accident cases.

In most states, this is a period of two or three years. A small handful of states allow for up to six years after the date the accident occurred.

 

Travelers Insurance Car Insurance Lawsuit Settlements

It is impossible to predict the exact settlement amount or court verdict that you will be awarded for your car insurance lawsuit, as every case is unique.

The average car accident settlement amount is around $20,000 to $25,000, however, settlements can be as low as a few thousand dollars or as high as several million dollars.

By working with an experienced car accident lawyer, you can ensure that you and your family receive the highest settlement possible.

 

Types of Damages in Travelers Insurance Car Accident Lawsuits

There are several types of damages that can be listed on motor vehicle accident lawsuits against an insurance company like Travelers Insurance.

Types of damages listed in Travelers Insurance car accident lawsuits include:

• Medical bills and other related medical expenses
• Property damage
• Pain and suffering
• Loss of consortium
• Wrongful death
• Loss of income or future income

The damages listed in a case will also greatly affect its settlement amount. For instance, cases that involve severe bodily injury or wrongful death will call for higher settlements.

 

Travelers Insurance Auto Insurance Statistics

According to U.S. News & World Report, Travelers Insurance is tied at number six for the Best Car Insurance Companies of 2023, with a four out of five-star rating.

Auto insurance and claims statistics for Travelers Insurance include:

• Only 45% of customers report being completely satisfied with their service with Travelers Insurance.
• 52% of Travelers Insurance customers report being satisfied with the ease of filing an insurance claim, with 62% saying that they were satisfied with their claims outcome.
• 55% of customers who filed claims with Travelers Insurance report that they would renew their policy again.
• Pricing for Travelers Insurance sits at about 12% below the national average, making them one of the more affordable car insurance options in the U.S.

 

Get Help Suing Travelers Insurance After a Car Crash Today

If you or a loved one has been the victim of bad faith from Travelers Insurance after a car accident, truck accident, or motorcycle accident, you likely deserve justice and compensation.

To begin a personal injury case and determine your eligibility, contact LegalFinders to get started today with a free consultation.

Let us connect you with a top-quality personal injury lawyer in your area who can help build you the strongest case possible and ensure you get the settlement award you deserve.