I was involved in an automobile accident and the at-fault party's insurance company isn't offering to settle my claim for a fair amount. Do I have a case?


A: You probably do not have a claim against the at-fault's insurance company since that insurance company owes no duty to you. It can decide to not pay your claim for any reason or for no reason at all. That would not be true of your insurance company, however, since your insurance company does owe you a duty to act fairly with you.