Last week, I was having a conversation with a friend about someone who had lost a loved one in a car crash. In this particular case, it was a single-vehicle crash. The driver of the car survived, but the passenger was killed. The driver and the passenger were friends.
I said, “you know, the passenger can file a claim with the driver’s insurance company, right?”
My friend responded, “No, they don’t want to sue him.”
My response: “FILING A CLAIM IS NOT THE SAME AS FILING A LAWSUIT.”
I almost had to keep myself from yelling! Filing a claim with an insurance company ≠ a lawsuit. A lawsuit usually only happens when the insurance company has denied a claim, you think they’re wrong, and you file a lawsuit in Court. That’s a lawsuit!
Think about it. If you were in a horrible situation like this, wouldn’t you want to ease your family’s financial burden by filing a claim? Many times, if the driver was at fault, the insurance company in a death case will just write a check and settle the case. Families can use those proceeds to help pay for a funeral, for medical expenses that were incurred, to take some time off work to grieve. That makes sense, and it’s one of the reasons we have auto and liability insurance.
So, just remember out there folks, a claim DOES NOT EQUAL a lawsuit. No one is suing anyone when they file a claim. If you don’t know what to do, call me. It doesn’t cost anything to ask questions and to know your options.