We often think that our insurance company is on our side. And their advertising tries to sell that idea to you. But it is not unusual for an insurance dispute to arise in an Ohio car accident case or when your vehicle covered by an insurance policy has been stolen. In either situation, the person who is claiming benefits under the policy has a duty to cooperate with their insurance company. This is a contractual obligation that, if breached, can result in the insured person receiving no benefits under the policy. There is no duty to cooperate with the other side’s insurance company, but only your own.
As in other matters pertaining to automobile accidents and insurance issues, however, it is wise to consult an experienced attorney to guide you through the process of filing a claim, especially if you or a family member has been hurt in a car wreck or you have another type of insurance claim. Often, property damage claims do not require a lawyer, but you still have to do what yur policy requires you to do.
Facts of the Case
In a recent case considered by the Court of Appeals of Ohio for the Eighth Appellate District (Cuyahoga County), the plaintiff was a woman who sued Progressive Insurance, claiming that it had mishandled a claim she made relating to the theft of her automobile. Progressive claimed that she had not cooperated with the insurance company as her policy required, while she claimed that she had done what was required of her. The Cuyahoga County Court of Common Pleas granted summary judgment to the defendant insurance company( which meant that she lost, as a matter of law), and the plaintiff appealed.