Being involved in a car accident can turn your whole life upside down. Not only may you be without a vehicle, you may be suffering from lingering injuries and lost wages from missed time at work. That’s not even to mention the physical and emotional pain and suffering that go along with such a traumatic event.
So when you find out that a car insurance company is refusing to pay your car accident claim, it’s understandable to be upset and at a loss for what to do next. You may be wondering how you’re going to take care of your family going forward as medical bills go unpaid and other household expenses pile up.
It’s an unfortunate truth that many insurance companies prioritize profits over injured claimants. If you’ve had your car accident claim denied, it’s time to fight back. Find out how to obtain the fair settlement you deserve with help from Lerner and Rowe Injury Attorneys.
Why Was My Car Accident Claim Denied?
Unfortunately, there are many reasons an insurance claim can be denied. In fact, some insurance adjusters will go out of their way to find a reason to reject a claim. Read more about why your claim may have been denied below.
It’s Unclear Who Caused the Accident
Proving liability is crucial in car accident cases. If one or more insurance companies cannot agree on which party is liable for causing an accident, your injury claim may be denied. If you don’t provide sufficient evidence that you did not cause or contribute to the accident through comparative negligence, you may not receive compensation.
Your Injuries Weren’t Diagnosed Soon Enough
Seeing a doctor after a car accident is important for two reasons. First, it’s paramount that you get prompt medical attention to save you from potential complications and disability down the line. Car accident injuries are not always apparent until days or sometimes weeks later. Seeing a doctor as soon as possible means invisible injuries can be detected and treated more quickly and thoroughly. Secondly, filing an injury claim requires as much documentation as possible. If you don’t seek medical attention until several weeks or months after an accident, there’s no paper trail to prove that your injuries were caused by the accident.
The Responsible Party Has Insufficient Coverage
If it’s clear that you weren’t at fault for an accident but the responsible party doesn’t have enough car insurance coverage or has fallen behind on their monthly premiums, your claim can be denied. Minimum liability policies can also lead to a denied claim, especially in serious car accidents which result in significant property damage, catastrophic injuries, or death.
There are dozens more reasons why your claim may have been denied. Some denials may signify that you need to gather more evidence, while others may be made in bad faith, in which case the company has breached its contract and can be held liable. Either way, any claim denial should be evaluated carefully to ensure that you’re getting the compensation you deserve. Bottom line: don’t take that first “no” for an answer.
What Can I Do After My Claim Has Been Denied?
You might be feeling a lot of mixed emotions after a denied car accident claim, from fear to indignation to hopelessness. While these feelings of frustration are normal, you should try to keep your emotions out of any contact you have with insurance companies.
Instead, make it clear that you’re going to fight back. Ask for a detailed explanation of why your claim was denied. You’ll likely receive a denial letter containing a lot of legalese. It’s highly recommended to have an experienced attorney review the denial to help clarify exactly why the insurance company is denying the claim and develop a legal strategy to refute it.
Get Your Case Reviewed by a Personal Injury Lawyer
When insurance companies engage in tactics like denying claims, delaying settlements, and defending their actions, you may want to consider consulting with a personal injury lawyer. At Lerner and Rowe Injury Attorneys, we offer all prospective clients a free case review to help them understand all their legal options and make an informed decision when facing a car insurance claim denial. In some cases, a brief consultation might be all you need to determine what additional steps to take to obtain the settlement you deserve.
If, on the other hand, a car insurance company continues to refuse to pay your claim, having an experienced legal team on your side can make all the difference in getting the best possible compensation. A personal injury lawyer can help gather evidence, access police accident reports, reconstruct the scene, interview witnesses, negotiate with the insurance company on your behalf, and walk you through every step of the personal injury claim process.
Why Choose Lerner and Rowe Injury Attorneys?
Deciding to hire a lawyer is a big decision, and one that shouldn’t be made lightly. Our nationally-recognized law firm includes a network of personal injury attorneys available 24/7 that are licensed to represent clients in Alabama, Arizona, Illinois, Indiana, Nevada, New Mexico, Tennessee, and Washington. When you call us, the first thing we’ll do is arrange your no obligation, complimentary case review.
Should you decide to hire us, you won’t have to worry about paying us a penny unless we make a financial recovery on your behalf. That’s our no win, no fee promise. And, in the meantime, we’ll be hard at work making sure you get the settlement you need to cover your medical bills, lost wages, pain and suffering, and in cases of wrongful death, funeral expenses and loss of consortium.
A car, truck, or motorcycle accident can change your life in an instant. At Lerner and Rowe Injury Attorneys, we know that money can’t eliminate a debilitating injury or the loss of a loved one. But we firmly believe that it can make a difference in helping accident victims move forward with their lives. That’s why we’ll fight for you.
If you’ve had your car accident claim denied, contact Lerner and Rowe Injury Attorneys day or night by calling 844-977-1900, connecting online using our LiveChat service, or by filling out this form for a free case review.