There’s nothing more frustrating than having to deal with your car insurance company after an auto accident, whether you caused the crash or were the victim.
It’s even more frustrating when your claim is denied by your car insurer. No matter what information you provide, your auto insurance company can put up road blocks, so to speak, to avoid paying your claim.
Reasons for denial
Insurance companies offer plenty of reasons why they deny claims from policyholders. Some of these reasons include:
1. The driver who caused the accident did not report the crash to his insurance company.
2. You were late in making a premium payment, and therefore, the auto insurance expired.
3. The insurance policy does not cover the claim. While auto insurers are sometimes slow to review claims, they are quick to review the policyholder’s insurance coverage to determine whether the damages caused by the accident are included in the policy.How to avoid claim denials
There are other reasons why insurance firms deny claims. Things to do to stay a step ahead of them and take away their reasons to deny your claim are:
1. Review your insurance policy to make sure the claim that you are about to file is covered under your policy. It is a good practice to review your policy every year to determine whether the insurance company made changes to your policy.
2. Document any property damage or personal injuries, as soon as possible, if you are in a car accident.
3. Maintain all medical documents, such as physician reports, medical bills, prescriptions, directly connected to injuries that you received in the accident.
4. Obtain a copy of a police report or other related documents if the auto accident warranted an extensive police investigation.
5. Obtain documents to show proof of wage loss, lifestyle adjustments or any other kind of changes due to the accident.
Even with having complete auto insurance coverage and documents, an insurance company can still deny a claim and refuse to cooperate with you to resolve the matter. If you are denied and believe that you are entitled to compensation, you can talk with someone in authority at the insurance company, take it to an arbitrator or go to small claims court. Another way to get satisfaction is to contact a car insurance dispute attorney. This could come in the form of an accident lawyer.
These attorneys specialize in settling disputes between insurance companies and policyholders. More importantly, they are aware of the excuses auto insurers use to avoid paying out a claim. In reviewing a client’s claim, an experienced accident dispute attorney can determine whether an insurance company acted in bad faith by denying the claim or undervaluing the claim.If dispute resolution does not work, the attorney may advise litigation against the company. Insurance firms are more than likely to settle a claim and cooperate with an car insurance dispute attorney rather than go to trial.
There are times when accidents cannot be avoided, which is why you should prepare yourself for these unexpected inconveniences. Learning all you can about your insurance co. and going over your insurance policy prior to any accident may be more beneficial to you than you think. After thoroughly examining your policy, you may decide to switch to another auto insurance company.