If you were injured in an automobile accident, and the other driver was at-fault for the accident, you or your insurance company may forward your claim to the other driver's insurance company. Unfortunately, the other company may issue a denial, denying your car insurance claim. Here are a few of the most common reasons why a denial may be issued.
Fault Is Being Disputed
One of the most common reasons why an insurance company may deny your car insurance claim is because they dispute the fault. If they feel that you are at fault for the car accident, rather than their policyholder, they may deny the claim.
The Accident Was Not Reported in a Timely Manner
Another reason why a claim may be denied is because it was not reported in a timely manner. Each insurance company has their own guidelines for when you need to report a claim by. Always report the claim as quickly as possible to prevent this problem.
You Delayed Seeking Medical Treatment
It is advised that you seek medical treatment immediately following a car accident, even if you do not believe you are injured. You should also follow up immediately if you notice pain, swelling, or other signs of injury. If you fail to seek treatment in a timely manner, the insurance company may think your injuries came from elsewhere and deny your claim on that basis.
The Driver Was Not Covered Under the Policy
If a driver was excluded or not covered under a specific policy, the insurance company may deny your claim. This is not the end of your case though. It just means you must pursue your case with the driver, rather than the insurance company.
The Driver Was Violating a State Law
The final reason an insurance company may deny your injury claim from a car accident is because the other driver may have been violating a state law. Many insurance companies will not cover law violations, such as drunk driving. Once again, this does not end your case. It just means you must pursue your case with the driver, rather than the insurance company.
If you were injured in an automobile accident and the insurance company is denying the claim, it is important to get in touch with a personal injury lawyer as quickly as possible. You have a limited amount of time to dispute the denial and get the compensation that you may be entitled to. A car accident injury lawyer can take a look at the claim and determine if you have a claim that can be disputed and help you with that process. Schedule your free consultation today.