Car accidents can be traumatic. Its aftermath can be even more complicated if your insurance claim is denied. A denied car accident claim can leave you feeling frustrated and helpless, especially if you’re not at fault for the accident.
However, there are legal options you can explore to help you recover damages for your losses. This article will explore why insurance claims are denied, what you can do if your claim is denied, and your legal options for recovery.
Reasons for Denied Car Accident Claims
- Policy Exclusions: Your insurance policy might not provide coverage for specific events or situations, such as if an accident is caused by someone who doesn’t have a valid driver’s license.
- Late or Incomplete Reporting: Failing to inform your insurance company about an accident you were involved in in a timely or accurate way can result in your claim being rejected.
- Lack of Evidence: Your claim may not be accepted if you don’t have enough proof to prove that the other driver is liable.
- Pre-Existing Conditions: If your injuries or damages were caused by a medical condition you had before the incident, your insurance company may not accept your claim and provide financial compensation.
What If Your Claim Is Denied?
If your car accident claim is denied, the first step is to review the denial letter from your insurance company. The letter should explain the denial, which will help you understand why your claim was denied. If the denial is due to an error, such as missing information or late reporting, you can try to correct the error and resubmit your claim.
If the denial is due to policy exclusions or lack of evidence, you may need to seek legal advice to explore your options for recovery.
Legal Options for Recovery
- Appealing the Denial: You can appeal the decision if your insurance company has wrongfully denied your claim. You may need the help of an attorney to file an appeal and to ensure that you have the evidence to support your case.
- Filing a Lawsuit: If your claim is still denied after appealing, you may be able to file a lawsuit against the driver who caused the accident. A personal injury lawsuit can recover damages for your injuries, medical expenses, lost wages, and pain and suffering.
- Mediation or Arbitration: If you don’t want to go to court, you may be able to resolve your dispute through mediation or arbitration. These alternative dispute resolution methods can help you settle with the other driver or insurance company.
If your car accident claim is denied, take action to protect your rights and recover damages for your losses. By understanding the reasons for claim denials, reviewing your denial letter, and exploring your legal options for recovery, you can increase your chances of getting the compensation you deserve. Consult a personal injury attorney to discuss your options and ensure your legal rights are protected.
The Law Office of William M. Burgess P.A. is here to help you with your case. Our personal injury attorneys have extensive experience representing clients in various cases, including car accident claims. We will help you understand the reasons for your claim denial and will help you explore your legal options for recovery. Call 301-645-3261 for more details. You may also visit our dedicated law firm at 200 Washington Avenue, La Plata, MD 20646.