If your car insurance claim has been denied, it doesn’t necessarily mean that it’s the end of the road when it comes to recovering compensation for your losses. Please continue reading as we explore the steps you should take if your car accident claim is denied by the insurance company and how an experienced Bronx Car Accident Lawyer can help you fight for the justice you deserve.
Why Do Car Insurance Companies Deny Legal Claims?
Unfortunately, there are various reasons insurance companies deny claims. Generally, auto insurers deny a claim when they think the policy language and the law give them an arguable reason to do so. They are experts at using insurance policy language to their advantage. However, they are far from infallible, meaning you have options if you believe your insurance claim was wrongly denied. Insurance companies may deny a car accident claim for several reasons, including:
- Lack of coverage
- Policy exclusions
- Driving without a license
- Driving while intoxicated
- Pre-existing damage
- Claim filed too late
- Insufficient evidence
- Bad faith
It’s important to note that your claim may get denied for other reasons. As such, you should consider the steps you can take after receiving a denial.
What Happens If My Car Accident Claim Is Denied by the Insurance Company?
If your claim is denied, it’s imperative to understand the steps you can take to recover the full and fair compensation to which you are entitled. The first step is to get the reasons for the denial in writing. In most cases, auto insurers will provide a claim denial letter, but if not, you should request one.
Regardless of whether your first-party or third-party claim has been denied, it’s in your best interest to enlist the help of a seasoned car accident attorney who can help you navigate your options. Depending on the circumstances of your denial, they may assist you in submitting additional evidence to support your claim or file an appeal.
If your denial letter says that you failed to provide sufficient evidence to support your claim, you must provide as much of the missing evidence as possible. This may include a copy of the police report, pictures of the accident scene, repair estimates, medical records, etc.
If you don’t have enough evidence to support your claim, you may consider filing an appeal. Your insurance policy should dictate the steps you need to follow. You need to do exactly as the policy instructs and ensure you meet any applicable deadlines.
If your car insurance claim gets denied, please don’t hesitate to contact a determined lawyer from James Newman, P.C., who can help you fight for the compensation you deserve. Connect with our firm today to discuss your options.
