Being involved in an accident is one of life experiences one will go through. Of course, the next step after an accident is to file an auto accident claim.
However, it’s not easy as it sounds. More often than not, the claim is denied. Denial would mean having to bear the expenses incurred in the accident alone which is a burdensome plight.
The following are possible reasons why claims are denied:
- The claim is not covered by insurance
- The claim is for an Uninsured Motorist Claim but it turns out that the other party to the accident was insured
- Coverage has lapse for failure to pay premiums
- Amount of damage is more than the policy limit
Does it mean that when the claim is denied you will just take it as it is? Of course not! There are some steps that may be taken to deal with the situation. The insurance company has a duty to equitably and quickly settle your car accident insurance claim in good faith.
Isn’t it but the proper thing to do? Insurance companies should make good of their promise of insuring automobiles involved in accidents. However, as I can observe, instead of helping the insured, they do every way possible to defeat their claim.
I have here steps that you can take if you think your claim has been wrongfully denied:
- Contact your insurance company and inform them of their mistake coupled with documents to support your claim
- In case of unfavorable decision by our insurance company, appeal the same to the State Insurance Company
- Hire an auto insurance claim lawyer to discuss the error committed by the company
- File a suit against the insurance company for bad faith, breach of contract, and/or violations of your state’s insurance code
Standing up against an insurance company which has all the necessary machinery is not a joke. However, if you have all the necessary claim and evidence, chances are you will have a fair chance of success.
