When you file a claim for your damages, you expect compensation for your losses. However, if the insurance company denies your auto insurance claim, you may be unsure how to proceed. Please continue reading as we explore the steps you can take after receiving a denial letter and how a skilled New York City Car Accident Lawyer can help you navigate your legal options.
Why Are Auto Insurance Claims Denied?
Auto insurance is a crucial investment for every driver. It not only offers financial protection in the event of an accident but also helps ensure compliance with state regulations and streamlines the process of recovering necessary compensation. However, it’s essential to be aware that car accident claims can be denied. Insurance companies may deny claims for several reasons, including:
- Lack of coverage
- Policy exclusions
- Breaking the law (driving without a license, driving while intoxicated, exceeding the speed limit, etc.)
- Delay in filing your claim
- Delay in medical evaluation
- Pre-existing damage
- Insufficient evidence
- Bad faith
- History of false claims
It’s important to understand the reasons why claims are sometimes denied and how you can avoid this. If your claim is denied, you may have to pay for your damages out-of-pocket. As such, you should consider some of the steps you can take once you receive a denial.
What Steps Should I Take if My Car Accident Claim is Denied by the Insurance Company?
If the insurance company denies your car accident claim, you should thoroughly review the denial letter to better understand the specific reasons given for denying your claim. From here, you should collect all supporting documents. This may include police reports, medical records, witness statements, pictures of the accident scene, and any other relevant information that can bolster your claim.
In many cases, car accident claims are denied due to a lack of evidence. If this reflects your circumstances, you should gather as much of the missing evidence as you can. If you don’t have sufficient evidence to support your claim, you should consider filing a formal appeal.
If necessary, a lawyer can help you submit a formal appeal letter that outlines why you believe the claim denial is unjustified. It’s important to provide supporting evidence of why you believe the denial is incorrect.
If you feel your claim was wrongly denied or that you were inadequately compensated, please don’t hesitate to contact a skilled attorney from The Bàez Legal Group who can inform you of your options going forward. Connect with our firm today to learn how we can fight for you.
