Incurring serious injuries in a car accident is enough pain and learning that the insurance company denies your claim is more frustrating and draining. Generally, if a car accident occurred due to negligence from another party, you may be eligible for compensation from the at-fault driver. But in some cases, the insurance company can deny your claim for various reasons, which we’ll cover today.
If you or a loved one suffered injuries in a car accident due to another driver’s negligence and are facing a car accident insurance claim denial, consider speaking to an experienced car accident attorney such as Nevada Accident Injury Lawyers for legal guidance and advice.
A denied car insurance claim doesn’t mean an end to the legal road. Our lawyers can fight for your rights and ensure justice is served.
Leading Reasons for Car Accident Insurance Claim Denial
An insurance company can deny your claim for several reasons. In the worst-case scenario, some insurance companies will do all it takes to reject the claim altogether. Here are some of the reasons for car accident insurance claim denials.
Injuries not diagnosed and reported in time
It is important to see a doctor after a car accident so that you get treated and secure medical reports if you plan to file a claim. Unfortunately, some injuries take days or weeks to show up.
When the doctor treats your current injuries, gives you medical reports, and you realize later that you are developing more complications due to the accident, there may be no apparent reason to justify that the car accident caused your injuries.
The insurance company may deny your claim by declaring that your injuries worsened because you did not seek treatment in time.
The insurance company thinks you were more at-fault
When parties involved in an accident describe how the crash occurred, the insurance company may use their word against yours. The insurer may use the descriptions to claim that you played a large part in the injuries and damages.
The insurance company might not investigate the crash sufficiently to get the real facts. Instead, they will use the description given by other parties to deny your claim. For this reason, you need to speak to an experienced car accident attorney, such as Nevada Accident Injury Lawyers, to defend your word.
The insurance limit is less than the damages incurred
Severe car accident injuries such as spinal cord injuries and broken bones cost more money for treatment. The injuries can also take time to heal, increasing the cost of treatment in the long run. The insurance company may deny the claim if the insurance coverage is lower than the damages incurred. This is one of the leading reasons for car accident insurance claim denial.
The insurance company usually denies claims
It is the interest of many insurance companies to make a profit above anything else. They do not take the interest of accident victims as a priority. Instead, they will look for excuses to deny the claim even if you haven’t made any mistake. Some insurance firms even deny claims before investigating the accidents properly.
If the insurance company denies your claim without a tangible reason, you can take legal action against them. However, dealing with the processes can be challenging and time-consuming if you lack legal expertise. It would be wise to speak to an experienced car accident attorney, such as Nevada Accident Injury Lawyers, for legal advice and representation in your case. This may increase your chances of receiving the compensation you deserve.
How to Fight Auto Insurance Denials
You can take several steps if the insurance company refuses to pay an auto claim. It is possible to appeal if you feel the insurance company shouldn’t have denied the claim. Below are several ways you can fight back against auto insurance denials:
- Collect evidence: Once you receive the denial letter from the insurance company, review the details and the reasons for the denial and gather solid evidence surrounding your case to support your side. Evidence may include eyewitness statements, photographs of the accident scene, and police reports.
- Draft an appeal letter: When ready with your evidence, draft an appeal letter indicating why you are appealing the insurance claim denial. Include as much detail as possible depending on the evidence you gathered.
- Speak to an attorney: Consider working with an experienced car accident attorney who can review the denial letter you received from the insurance company. The lawyer can develop a legal strategy to fight back and refute the car accident insurance claim denial.
You don’t have to give up because an insurance company initially denied your claim. Taking a step to appeal can increase your chances of receiving your deserved compensation.
Why You Need to Hire a Personal Injury Lawyer
Handling car accident insurance claim denial isn’t an easy task alone. Many processes are involved and can be challenging if you lack legal expertise. Here are some primary reasons to hire an experienced car accident lawyer after a car accident insurance claim denial:
- The lawyer can review your case and advise you accordingly.
- The lawyer can investigate the circumstances of the accident.
- Review your appeal draft letter and advise you accordingly.
- Present your case to the insurance company that denied your claim.
- Represent you in court if a settlement with the insurer isn’t recovered.
Experienced car accident lawyers from Nevada Accident Injury Lawyers understand the steps to take after a denied car insurance claim and can negotiate with the insurance company for a possible positive outcome. Where a lawsuit is the last option, the lawyer can pursue the case on your behalf and help you receive your compensation in the letter of demand.
Hire an Experienced Nevada Car Accident Attorney
Car accident insurance claim denial can leave you frustrated, confused, and unsure of what to do. The time and money you may spend in the process can be draining. For this reason, it’d be advisable to speak to an experienced car accident attorney to help with your claim. This important step can increase your chances of securing compensation for the injuries and damage you sustained in the accident.
If you or a loved one are experiencing car accident insurance claim denial, experienced Nevada Accident Injury Lawyers can help. Contact us today for a free case evaluation.
Insurance Claim Denial FAQs
How can I avoid making mistakes that can lead to an insurance claim denial?
To avoid making mistakes when seeking compensation, consider following state law. An experienced car accident attorney can help you avoid such mistakes.
What dispute resolution can my lawyer apply after an insurance claim denial?
An experienced car accident lawyer can negotiate with the insurance company and litigate the matter if the case needs to proceed to court.
How long does the insurance company have to investigate a claim?
Generally, the insurance company is expected to work within 30 working days to investigate your case.