How Do You Deal With A Denied Insurance Claim?

You can take all the right steps after a car accident when it comes to making a claim for your damages. However, there may be some instances in which your claim can be denied. When this happens, you may think you are out of options and accept the claim as is. Fortunately, you can fight the claim and possibly get your compensation. Here are some things you need to know:

Why Was Your Claim Denied?

There could be some valid reasons why your claim was denied. Many denials are due to special rules around timing, deadlines, who was driving your vehicle at the time of the accident, and so on. In some cases, your claim can be denied if you did not report your claim in a timely manner. You must report your claim as soon as possible. Not doing so makes it appear as though your claim is not valid.

The same goes for any medical care that is necessary. Typically, you should get checked out after a car accident even if you do not appear to have any injuries. You may not have any immediate pain, but symptoms can appear later. If you wait too long to get checked out by a doctor after an accident, your medical compensation may be denied.

Another reason for a denial is if your damages are too high for the limits on your insurance policy. Your policy may only allow for damages up to a precise amount based on the policy you have. If the damage goes over this amount, the insurance company will only pay you that much. You will be out of luck for the rest of the damages.

If the person driving your car at the time of the accident is not listed on your insurance policy, the claim may be denied. You will need to have your attorney review the fine print of your insurance contract to see if you have a case for an appeal.

Finally, it is possible your claim can be denied if you are driving on a suspended license or if you were acting in a negligent way. This includes excessive speeding or driving under the influence.

How Can You Appeal a Denied Claim?

The best way to appeal your denied car accident claim is to work with a lawyer. Your car accident lawyer will review your policy and the facts of the accident to help build a case to help win you a fair compensation figure. Your attorney may be able to get the insurance company to reconsider the denial if he or she uncovers new information or a dispute within the claim. If this does not work, your attorney can sue your insurance company to see if you can win your claim that way.

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