How to Handle a Denied Auto Accident Injury Claim

MarketWatch is a leading financial news website. They recently published a very informative article about the 11 things car insurance companies don’t want you to know. Americans spend a lot on auto insurance. Some states even make coverage mandatory. According to The Zebra, we pay an average of $1,502.00 dollars per year just to cover our cars. Now, most people opt for car insurance because they want to protect themselves. Whether it’s an accident caused by someone else, or by yourself, most people believe insurance is designed to keep you safe and financially covered when an accident happens.

Unfortunately, this is not the case. The truth about how insurance actually works is vial and deceiving. Every year thousands of accident victims receive denial notices. That’s right, the same companies who bombard us with ads that we are “in good hands” turn their backs on us when we need them most. Now, there are multiple reasons why an insurance firm would deny a claim. Sometimes they have the right to do so. However, too often they deny legitimate claims. In this article, we are going to discuss how to handle a denied auto accident claim. We will also touch on topics related to car crash injuries and options you may want to explore after an accident.

How to Handle a Denied Auto Accident Injury Claim: Hire a Car Crash Attorney

Before we dive into ways to handle a denied auto accident injury claim, we wanted to take a minute to catch you before you file one and emphasize the importance of consulting a car accident attorney. If you were recently injured in an auto accident, you may want to talk with an attorney prior to calling your insurance company. A Mcallen personal injury lawyer may be able to help analyze your case prior to submitting a claim. By gathering documentation an injury attorney might be able to better your chances of getting paid, rather than having your claim denied. While we will talk about options you can explore if your claim is rejected, it might be advantageous to hire an attorney first.

With that said, if you have already filed your injury claim, and you’ve been denied, here are some steps you can take. Remember, if at any time you wish to speak to a personal injury lawyer in McAllen call us at (956) 777-7777. We offer a free car crash injury consultation. Here are some things you may want to consider if your injury claim has been denied.

Understanding Car Insurance Claim Denials

Car insurance claim denials can be a frustrating and overwhelming experience, especially when you’re already dealing with the aftermath of a car accident. Understanding why your claim was denied is crucial in determining the next steps to take. Insurance companies deny claims for various reasons, including lack of coverage, insufficient evidence, delayed reporting, pre-existing conditions, and other factors.

When reviewing your denial letter, pay close attention to the specific reason for the denial. This will help you understand the insurance company’s perspective and determine the best course of action. It’s also essential to review your insurance policy to ensure you understand what is covered and what is not. By understanding the reasons behind the denial, you can better prepare to address the issues and strengthen your case for an appeal.

Why was your denied car insurance claim?

Ask yourself why you believe your car accident claim was denied. Did you not submit all of the paperwork? Did you tell a different story to one insurance rep than another? Sometimes claims get denied because people neglected to seek medical attention right after the crash. If you were truly hurt, and the insurance company denied your claim, try to rationalize what may have caused them to reject your request. When you contact an attorney, and we believe you should be honest with them. Tell your potential attorney everything you know, and everything you’ve done, surrounding your case. The more info you provide an injury lawyer, the better they can navigate your case.

Did you not have proper coverage for your car insurance claim denial?

Just because you have insurance, doesn’t mean you have enough coverage. Likewise, even if the person who causes the accident carries insurance, it doesn’t mean the policy has the financial capability of settling all of your expenses. If you’ve been seriously injured in a crash, and you’re facing hospital expenses and long term medical costs, a lot of insurance policies won’t be big enough to cover the financial damage. Your claim may have been rejected because there is no money left to pay any more medical bills.

Lack of medical records documentation

We tend to repeat this a lot, but it is super important. If you get injured in an auto accident you should seek medical attention. First, only a licensed medical professional can properly access your injuries. Second, by going to the doctor right after a crash you and document the accident to what every injury you are suffering from. Failure to do so means an insurance company can try to wiggle out of a claim. If a lot of time goes by between the crash and the time you see a doctor, the insurance company may use this against you, resulting in a denied insurance claim.

Steps to Take After a Claim Denial

If your car insurance claim is denied, there are several steps you can take to appeal the decision. First, review the denial letter and your insurance policy to understand the reason for the denial. Next, gather additional evidence to support your claim, such as medical records, witness statements, and police reports. These documents can provide the necessary proof to challenge the denial.

It’s also essential to contact your insurance company to discuss the denial and understand their perspective. Be sure to document all interactions with the insurance company, including dates, times, and summaries of conversations. This documentation can be crucial if you need to escalate the issue.

If you’re not comfortable dealing with the insurance company directly, consider hiring a car accident lawyer to handle the appeal process. A lawyer can help you navigate the complex process and ensure your rights are protected. They can also provide valuable advice on how to present your case effectively.

Appealing a Denied Car Insurance Claim

Appealing a denied car insurance claim can be a lengthy and complex process. If you decide to appeal, be sure to follow the instructions provided by the insurance company. Most insurance companies have an internal appeals process that allows policyholders to dispute denied claims.

During the appeal process, you’ll need to provide additional evidence to support your claim. This may include medical records, witness statements, and police reports. Be sure to keep a record of all interactions with the insurance company, including dates, times, and summaries of conversations. This documentation can be vital in building a strong case.

If your appeal is unsuccessful, you may have the right to file a lawsuit. A lawsuit can help you recover medical expenses, lost wages, pain and suffering, and other damages. However, time limits apply for filing personal injury claims, so it’s essential to act quickly. Consulting with a car accident lawyer can help you understand your options and ensure you take the necessary steps within the required timeframe.

The Benefits of Hiring a Car Accident Lawyer

Hiring a car accident lawyer can be beneficial in several ways. A lawyer can help you navigate the complex process of appealing a denied car insurance claim. They can also help you gather evidence, build a strong case, and negotiate with the insurance company.

A car accident lawyer can also provide guidance and support throughout the appeal process. They can help you understand your rights and ensure you receive the compensation you deserve. With their expertise, you can increase your chances of a successful appeal and avoid common pitfalls that could jeopardize your claim.

Navigating the Insurance Company

Dealing with an insurance company can be challenging, especially when you’re already dealing with the aftermath of a car accident. It’s essential to be prepared and know your rights.

When interacting with the insurance company, be sure to document all conversations, including dates, times, and summaries of discussions. Keep a record of all correspondence, including emails, letters, and phone calls. This documentation can be crucial if you need to escalate the issue or appeal a denied claim.

It’s also essential to be aware of the insurance company’s tactics. They may try to deny your claim or offer a low settlement. Be sure to stay calm and assertive, and don’t be afraid to seek help from a car accident lawyer. By understanding car insurance claim denials, knowing the steps to take after a claim denial, and hiring a car accident lawyer, you can navigate the complex process of appealing a denied car insurance claim and ensure you receive the compensation you deserve.