When you’re making a claim via your insurance after an auto accident, you might be counting on money coming from that claim to pay for all your medical bills as well as other related costs. Unfortunately, the things don’t happen that way always, and at times the insurance claim gets denied. When this happens, it is vital to understand why it got denied exactly. Every condition is different, certainly, but here are some general reasons that the insurers provide for denying claims.
Accident could be avoided
If you would have avoided that accident, or you did something which caused or led to it, you might have the insurance claim denied. It’s particularly true if the insurer thinks that you did anything that would deliver the policy cover ineffective, such as driving drunk at time of accident or letting unlicensed driver make use of your car. In case you discover yourself in a condition in which your insurance company claims that you would have avoided the auto accident, it’s best to speak to an auto accident attorney as the insurance company lawyer may have interest that are opposite to the ones of your own directly.
There was no treatment or complaint at the time of injury
If you want to claim you got injured because a direct consequence of a car accident, it’s vital that you really go and get the treatment immediately. Otherwise, the insurer might argue that injuries did not really happen due to the accident or those injuries aren’t connected or related to the auto accident. If you’ve a proof that you visited the hospital right away after the auto accident and the injuries were diagnosed, you’ll have stronger case than you wait. In addition, if you delay, then this might make the insurer think that injuries are exaggerated or made up to get a payment, as most of the people who are authentically hurt do get the medical care instantly. It’s unlucky that a few people without any means of paying out for medical treatment might be viewed as the “fakers” – as they avoided the medical treatment, even if they required it — when they actually have a legitimate claim, but it is often point of argument between injured person and insurance adjuster.
Medical records do not indicate pain/injury
If you do not have medical records which indicate that you really suffered an injury, your claim is likely to get denied as you can’t prove you’ll be entitled to damages.
When Denial May Be Sign of the “Bad Faith”
They are just some of the most general reasons why the claims are denied. So, if you get a notice for denial, you should talk to your own insurance company as quickly as possible to figure out what actually went wrong with the particular claim and what should you do to fix that.
If you think that none of the issues relate in your case, the insurance company might be denying the claim in a bad faith. It means that insurer isn’t living up fully to its responsibility to solve your case according to the agreement with insured – you or other drivers.
When to Get a Professional Help
When any insurance claim gets denied, you must strongly consider talking with an auto accident attorney. Your attorney can assist you to speak to your own insurance company, figure out what the issue with the claim was, and even fix that issue so you can avail the advantages to which you are entitled. If you select to hire a lawyer, you can expect them to work on a contingency fee.
