The content team at LegalFinders is devoted to making sure the best content reaches our audience. This includes employing editorial standards like checking sources for accuracy and reputation, creating thoughtful pieces with objective analysis techniques and more. Our content will also be legally reviewed by an attorney to ensure that it meets quality and legal standards in all state and practice areas.
If you think you’ve spotted a problem with any of the information on our site, let us know! We will review and make changes as necessary. Please email [email protected] with any questions or concerns.
Law firms who have achieved over $100 million in case results
Many $20 million dollar jury verdicts
Law firms awarded Best Law Firm in 2022 by US News and World Report
Quick answer: While not a first option for most, suing CSAA insurance, an insurance group through AAA insurance, following a car accident is a possibility.
In most instances, you’ll first need to submit an accident claim through the company before considering legal action.
Working with an experienced car accident or personal injury law firm can help ensure you receive the best legal advice on this matter. Your attorney can provide you with a free case evaluation to determine if a lawsuit is in your best interest.
One important thing to keep in mind when making the decision to file a lawsuit against CSAA for an auto accident insurance claim is that your state’s fault laws will play a role in the outcome.
A state is either a fault state or a no-fault state. For example, California is a fault state. This means that the at-fault driver is responsible for paying for all damages and losses sustained by all parties in the accident they caused.
A no-fault state means that each driver is responsible for their own compensation, generally through collision coverage or medical payments coverage. Uninsured or underinsured motorists will likely have to pay out-of-pocket for their damages.
Answer: No, suing CSAA is not the same as filing an auto accident or personal injury claim with the company.
An insurance claim is generally the first thing you will file following a motor vehicle accident, whether with your own insurance company or with that of the at-fault driver. If you’re unsure where you should file your claim, speak with your personal injury lawyer for guidance.
Once you’ve filed a claim and gone through the claims process, or if the insurance company refused to honor your claim, you may then decide to take legal action.
The primary reason why policyholders and accident victims choose to file a car accident lawsuit against CSAA is due to bad faith. Bad faith is when the insurance provider acts in a way that undermines your claim.
Examples of bad faith on behalf of an auto insurance company include:
Answer: There are a few common types of lawsuits filed against car insurance companies like CSAA. Your car accident attorney can help you determine which lawsuit best suits your unique case.
The following are the types of lawsuits brought against CSAA and other insurance companies following an auto accident:
There are several factors that can directly impact the outcome of a car accident lawsuit against an insurance company like CSAA.
It’s important that you understand these factors before taking legal action. Work with your personal injury attorney to learn more about how each one may affect your case.
Common influences in an auto accident lawsuit include:
There are a few key steps that must be taken before and during the process of filing a lawsuit against CSAA. These steps often include:
Having an experienced attorney on your side can have a drastic positive impact on your overall experience throughout the claims process and, if necessary, any legal action taken.
Consider seeking an attorney as soon as possible following the accident. Most attorneys offer free consultations, so you’ll have the opportunity to determine which person is best for your case.
Filing an auto accident claim is often the first step necessary to begin seeking compensation following a crash. You’ll need to gather several pieces of evidence and keep track of details such as any medical attention received.
In many cases, your attorney can file the claim on your behalf.
Once the insurance company has assigned a claims adjuster and the adjuster has evaluated your case and determined its value, the company will typically offer a settlement.
If this settlement does not meet your unique damages and losses, your attorney can begin negotiations on your behalf. It’s important to note that most insurance claims cases are settled outside of court.
If a fair settlement is unable to be negotiated, your attorney may advise you that filing a lawsuit against CSAA is the logical next step. This lawsuit will be filed in your local court and handled by your lawyer.
There are several important pieces of evidence you must submit as part of your insurance claim. The more evidence you can provide, the more likely it is that you will receive fair compensation for your damages and losses.
Common evidence required in an auto accident claim includes:
Large insurance companies like CSAA often offer several types of coverage as part of their auto insurance policies.
Examples of insurance coverage that may be included in a CSAA policy include:
Answer: Your state’s statute of limitations will largely dictate how long you have to sue CSAA or file an auto accident claim following a collision.
For example, if the statute of limitations in your state is two years, this means you have two years from the date of the accident to take legal action against the insurance company or at-fault driver.
CSAA does not offer up-to-date information related to its car insurance lawsuit settlements. However, the Insurance Information Institute regularly performs studies related to auto accident lawsuit settlements and accounts for many large insurance providers like CSAA.
In 2018, the III found that the typical settlement amount for a property damage case was around $4,000. It also reported that the average compensation received from an insurance company for personal injury cases related to car accidents was around $16,000.
The types of damages that may be included in a car accident lawsuit against CSAA will depend on the extent and severity of the accident and any injuries incurred.
While each lawsuit will have different damages, some of the most common include:
Your car accident attorney can help you identify which damages apply to your case and how to best represent them in a court of law.
According to the U.S. News and World Report, American Automobile Association insurance, or CSAA in some states, is rated in the top five for customer loyalty. The national average premium cost per year for auto insurance through CSAA is $1,958.
Additionally, AAA comes in at sixth out of 10 for best car insurance companies in 2023 according to a U.S. News study.
If you’ve filed a claim with CSAA and feel that your claim was not handled properly or was denied entirely, consider working with an experienced auto accident attorney to get the compensation you deserve.
LegalFinders has gone to great lengths to find and vet personal injury and car crash lawyers throughout the United States, making it easy to get connected with one near you today.
Here are a few commonly asked questions related to car accident lawsuits and claims with CSAA:
How long a lawsuit against CSAA will take to settle depends on various factors. Some of these factors may include the complexity of the accident case and CSAA’s willingness to offer a settlement that matches the value of the damages and losses.
The amount of money someone can get from a car accident lawsuit against CSAA will vary from case to case. Factors that influence this include the extent of damages and losses and the type of coverage you or the at-fault driver has under CSAA.
Working with a lawyer can help ensure you have a solid case, strong evidence, and a fair chance at a maximum settlement offer. While it’s possible to start a lawsuit without legal aid, it’s not an easy task.
The claims process can be time-consuming and daunting, but with a lawyer by your side, you will be well-informed every step of the way.
Allstate. “6 types of car insurance policy coverages.” Retrieved from: https://www.allstate.com/resources/car-insurance/types-of-car-insurance-coverage.
Insurance Information Institute. “Facts + Statistics: Auto insurance.” Retrieved from: https://www.iii.org/fact-statistic/facts-statistics-auto-insurance.
U.S. News and World Report. “AAA Car Insurance Review for 2023.” Retrieved from: https://www.usnews.com/insurance/auto/aaa-car-insurance-review.