What to Do if Your Insurance Claim is Denied
After an accident, you expect your insurance company to help cover your costs. In addition to being injured, you may need money because of your lost wages and damaged property. When that doesn't happen, it can feel overwhelming. However, you have options to address a denied claim. We will explain why insurance claims get rejected and how having legal counsel can benefit you. Understanding the reasons behind a denial is essential to take the proper steps. Knowing how to respond effectively can make a significant difference in the outcome of your claim.
Reasons Why Insurance Claims Get Denied After an Accident
One common reason for claim denial is incomplete or incorrect information. Providing accurate details about the accident is crucial when you file a claim. If any part of your claim is inconsistent with the evidence, the insurance company may deny it. Insurance policies also have specific exclusions, including situations or conditions the policy does not cover. Your claim might be rejected if your accident falls under one of these exclusions. Understanding your policy is essential to know what is covered and what is not.
Another reason for denial is a lapsed policy. Your claim will simply be denied if your insurance policy was not active during the accident. This can occur if you fail to pay or your policy lapses. Always ensure your policy is up-to-date to avoid this issue. Sometimes, the coverage you have does not apply to the type of accident you experienced. For example, if you do not have collision coverage, damages to your vehicle from a collision may not be covered. Reporting the accident promptly is also essential. If you wait too long to file a claim, the insurance company may deny it. They often have specific timeframes within which you must report an accident. If you miss these deadlines, getting your claim approved can be much more complicated.
Why Having Legal Counsel Benefits You
Based on the policy's terms, they can identify whether your claim was wrongfully denied. Dealing with insurance companies can be challenging. Legal counsel can handle communications on your behalf, ensuring that nothing you say can be used to deny your claim further. You can always speak with a personal injury attorney who can assist in appealing the decision.
They know the proper procedures and can gather the necessary evidence to support your case. Lawyers are skilled negotiators. They can work to get you a fair settlement, even if your initial claim was denied. This includes negotiating with the insurance company to reconsider their decision. There will be instances when the insurance company will act in bad faith. Your chosen legal counsel will help you seek a resolution through the court. If any illegal methods were used to deny your claim, an attorney can help you take legal action against the insurance company.
Speak with an Experienced Personal Injury
Schedule a consultation with us to discuss your case specifically. We can help you understand your options and work towards getting the coverage you deserve. Contact us today to schedule your free consultation.
