How can I deal with my car insurance if they dont want to pay my car?

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How can I deal with my car insurance if they dont want to pay my car?

A tree fell on my car, I immediately call my insurance I do have a full cover insurance, the car is very wrecked and they don’t want to pay for all of it, they are just replacing the windshield and that is going to be 2194.10 I know that sounds crazy but that is the statement that I received. Can you please help me?

Asked on August 28, 2017 under Accident Law, Arizona

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 4 years ago | Contributor

Your recourse would be to sue the insurer for "breach of contract": if you can show that under the terms of the coverage you bought (an insurance policy is a contract) as well as the facts (i.e. the extent of damage, the recommendation(s) of body shops, etc.) they should be paying for more extenstive repairs, you can get a court judgment or order requiring them to do so. You have to show that they are violating their policy/contractual obligationsby not paying more.


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