If you were in an accident, you might be faced with the situation in which your car insurance claim gets denied. However, you have to keep in mind that it doesn’t mean that everything is over, and you won’t be able to get the compensation as you can always appeal the claim denial. If you don’t feel comfortable enough doing it by yourself, you can always contact one of the injury lawyers las vegas as they will be able to help you with the process.
So how can you do it? Well, keep reading if you want to find out.
Understand why your claim was denied
The first thing that you should do is contact the car insurance company and find out why your insurance claim has been denied. While there could be several reasons for that, some of the most common ones include:
- car insurance policy not covering the accident – there is a variety of coverage types when it comes to the coverage types. If your accident doesn’t fall under the type that you bought, then your claim will be denied.
- missing a filing deadline or a lapse of your coverage – your car insurance can expire or become invalid because, for example, you haven’t paid the premiums. If this situation occurs, your accident won’t be covered by it. Also, keep in mind that after the accident, you will need to fill some forms. If you don’t act quickly, you might miss the deadline, as the company will not send you any reminders about it.
- not being a named party on the car insurance contract – if your name is not on the insurance contract, then your accident will not be covered, and the claim will be denied.
Some other reasons include the damages exceeding the auto policy limit, or being at fault for the accident. However, with the latter, everything depends on your state’s fault laws.
Review the evidence and write a letter
Now that you more or less know why the car insurance company has denied your claim, you can start acting towards the appeal of the company’s decision. To do that, you need to start with reviewing the evidence that you send – maybe there is something that you forgot to send?
Things that could be considered as evidence include photographs, medical records, medications, police reports, physical therapy, diagnostic tests, eyewitness reports, and so on.
If everything with the evidence is alright, you need to write a letter that would explain why you think that the evidence you have gathered contradicts with what the car insurance company is claiming. Attach copies of the evidence, and connect each piece of evidence to one of your arguments against the claim’s denial.
Contact an attorney
Some people don’t feel comfortable or confident enough to deal with the appeal of car insurance claim denial on their own. If you are one of these people, your best bet would be to contact a lawyer. They will help you through the whole process and answer any questions that you might have.
Attorney’s help will be especially important if because of the accident you suffered from a significant or permanent injury, or if you have endured severe property damage.
You also should look for legal help if you think that the insurance company is maltreating you – for example, improperly denying your claim, delaying the insurance payments, or performing other actions that would be considered as a bad faith practice. State laws protect the consumers against it, which is why you might be able to fill a legal lawsuit against the car insurance company.
Denial of a car insurance claim doesn’t mean the end of the world, as you can always appeal from the decision of the company. What you need to keep in mind, though, is that the decision of the insurance company will not be reversed just because you appeal. You need to have good arguments, which will be supported by evidence.
Remember also that you can always hire a lawyer – it will definitely make the whole process less stressful for you, as they will be the ones to take care of it.
So now, the only thing left to say is Good Luck!
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