It is a legal requirement for every driver to carry car insurance of some kind. When accidents occur, we expect our car insurers company to be there for us. Isn’t it their job to protect us from the financial fallout of losing a vehicle to a car accident? Shouldn’t they shield us from exorbitant medical fees?
Unfortunately, if you’ve recently had a claim denied, you now know firsthand that this principle isn’t always true. Why did your insurance company deny your claim?
1. The Insurer Determined You Were at Fault
One of the most common reasons to find a claim denial letter in your mailbox is that your insurer made the determination that you caused the accident. For example, there may be evidence that you ran a red light, or perhaps the police cited you for reckless driving following the accident. Using statements that you made, the insurance company may construe something that you said as an admission of guilt. This is a common reason for denials—and the company’s conclusions are not always correct.
Related resource: 5 Tactics CA Car Insurance Companies Use to Trick Car Accident Victims
2. You Don’t Have a Diagnosis or Relevant Medical Records
If the claim that you made included a request for compensation for medical care that you needed following the accident, you will need to supply evidence from a doctor. This evidence could be a diagnosis, such as a whiplash injury, or records from the hospital that demonstrate that you received treatment for an accident-related injury. If you cannot furnish any of these documents, the insurance agency has no choice but to deny your claim based on a lack of evidence. Always seek out medical treatment and document your injuries when you’ve been hurt in an accident.
3. The Policy Wasn’t Sufficient to Pay the Claim
Severe accidents that destroy your vehicle and leave you severely injured can lead to damages that escalate to a point beyond the insurance policy’s coverage limits. You might receive an offer for the limited amount, or the insurer may simply deny your claim outright. In such situations, it is essential to consider your legal options for recourse. You may not be able to get more money from the insurer, but a lawsuit may provide new pathways to paying for your injuries and pain and suffering.
4. The Liability for the Accident Is in Doubt
In some cases, the insurer doesn’t know who was at fault because of incomplete evidence or conflicting statements. As a result, they may issue a denial on your claim because they believe that there is a reasonable chance that you caused the accident. A car accident lawyer may be able to help you sort out the truth and amend your claim so that you can obtain a recovery.
5. You Weren’t Up-to-Date on Your Insurance Payments – “Lapse in Coverage”
You must stay up-to-date on insurance payments for your policy to remain in force. If you’ve missed payments or have a chronic habit of late payments, your insurer may outright deny any claims that you issue during the delinquent period. Beware! Your insurance policy only offers protection when you’ve taken the appropriate steps to keep your account in good standing.
Finding Help When Your Claim Is Denied
In most cases, the insurance company’s decision is final, especially if you were at fault or the insurer has determined that your claim is not valid under the terms of your policy. However, in other cases, you have legal options at your disposal.
At HHJ Trial Attorneys, we have a wealth of experience in negotiating with insurance companies and fighting them in court when necessary. To learn about your options and discuss the facts of your case, please contact us today.
Testimonial from Stephen, a motor vehicle Victim
Adam Hepburn and HHJ Trial Attorneys are very professional and compassionate in a time my wife and I needed them most. Adam helped me with my personal injury case from a car accident last year. I was referred to Adam through a friend and was immediately provided with a feeling of relief as he made everything seem so clear and understandable. His communication on when and what I needed to do was reassuring as my wife and I had never had to deal with anything like that before. The last thing you want to deal with is insurance as well as court after a car accident, especially if you get injured. My shoulder injury from the accident was lingering, not to mention piling up medical bills. Adam was confident we would be compensated as he personally ensured we would be taken care of, and he was right! He took care of everything and I felt like I was able to focus back on my family, work, and recovering from my injury with less anxiety knowing he was representing us. The comfort you get from HHJ attorneys is not something I expected and I would recommend them to anyone looking for a personal touch in a world that surely needs it right now. Thank you HHJ!