Did you recently get into an accident and file a claim, but to your surprise, the insurance company denied it? This is frustrating and stressful. You may feel stuck. However, you have options.
Whenever an insurer doesn’t pay, your case is not over. Many people face this situation, and there are methods to fight back. Hiring top personal injury lawyers is the first thing you need to do when filing a claim. They can fight with the insurance company for you and get the compensation you deserve.
Why Did Your Insurance Company Deny Your Claim?
Insurers deny claims for many reasons. Here are some common ones-
- Lack of Evidence- The company might claim you did not provide sufficient evidence of the accident or your injuries.
- Delayed Reporting- If you file a claim after the statute of limitations, they might dismiss your claim.
- Policy Exclusions- Some kinds of accidents are not covered by some policies.
- Disputed Liability- The insurer might claim you are at fault, not the other person.
- Pre-Existing Conditions- They might point out that your injuries weren’t caused by the accident.
What’s Next?
If your claim gets denied, don’t panic. Find out why first. The insurance company should provide you with a written explanation. Here’s what you can do-
- Review Your Insurance Policy- Read your policy carefully to figure out what is covered and what is not. Look for details that may support your claim. If something is unclear, consult an attorney to clarify it.
- Gather More Evidence- If the insurance company states there is insufficient proof, find more proof. This may include-
- Pictures of the accident scene along with your injuries.
- Healthcare records/doctor’s reports.
- Witness statements.
- Police reports.
- Any communications with the insurance company.
- The more proof you have, the stronger your case.
- Write a Formal Appeal- Most insurers allow you to appeal their decision. Write a letter stating exactly why you believe the denial was wrong. Include any new evidence you have. Be clear, polite, and professional.
- Get a Second Opinion- Sometimes an independent medical evaluation can help. Even if the insurance company states your injuries are not severe, another doctor may state otherwise.
- Negotiate With the Insurance Company- You do not need to accept the first denial. Try to negotiate. Contact the insurance adjuster and explain why you believe your claim is valid. If you are uncomfortable negotiating, an attorney can do it for you.
- Seek Legal Help- If your insurance company will not alter its decision, you may need legal assistance. A personal injury attorney will review your case and tell you if you have a strong claim. Many lawyers offer free consultations. You have nothing to lose by speaking with one.
Final Thoughts
Facing the frustration of a denied accident claim isn’t the end. Review your policy, collect evidence, and appeal the decision. If needed, work with an experienced attorney to fight for your rights. Insurance companies may try to avoid paying, but you can increase your chances of receiving what you deserve. Don’t give up. Keep going and don’t hesitate to ask for help if you need it.
