When two cars are involved in an accident, it is common for both to be damaged. This almost always leads to a car insurance claim by both parties. While you hope that the damage will be covered, car insurance companies are not always easy to work with. Instead, they may put up a fight, hoping to avoid paying a claim or to lessen their responsibility.

How to Dispute a Denied Claim

Disputing a wrongful car insurance claim denial is possible. Take these steps to get started:

  • Evaluate the details of the claim. Find out why they denied the claim and determine if they are missing any important information or details.
  • Contact the insurance company to provide more information. This might include an explanation of their mistakes and any supporting documentation.
  • Contact your State Insurance Commissioner. If the insurance company still puts up a fight, it may be helpful to contact the insurance commissioner.
  • Consider a lawsuit. Depending on the details, you may be eligible for a lawsuit based on the grounds of a bad faith insurance practice.

You pay your monthly insurance rate and you deserve for your claim to be handled in the appropriate manner. If for any reason an insurance company puts up a fight, it is time to learn more about your options. Don’t be shy about disputing the denial, as this may be the only way to get what you deserve.

Common Reasons Your Insurance Claim Is Denied

You are likely wondering why your insurance claim was denied. Here are a few of the most common reasons for a denied claim:

  • You didn’t receive a medical evaluation to measure your injuries.
  • The claim exceeds the maximum coverage of your policy.
  • You don’t have a listed injury, reported by a medical provider.
  • You were not a covered driver on the insurance policy.
  • You missed premium payments.
  • You didn’t notify the insurance company within their time limit.

These are just a few of the reasons why your claim may be denied. However, the only way to know why your claim was denied is to talk with your insurance company.

Timelines are also important when it comes to insurance policies. Not only are you required to notify your insurance provider of the accident, as well as any damages, within their timeline, you also need to consider your legal options as soon as possible. Failing to consider your insurance claim or legal options in time could deem you ineligible to collect any compensation.

Modified No-Fault Insurance Laws

The state follows what is referred to as modified no-fault insurance laws. This means that determining who is at fault when an accident occurs is important. However, it does not minimize your insurance companies liabilities. Regardless of who is at fault for an accident, your insurance company is responsible for injuries, up to your policy limit. However, if your costs exceed this amount, you may need to seek compensation from the responsible party.

Reach out to a car accident lawyers today to discuss the details of your car accident or denied insurance claim.