A car accident can leave you with significant losses that are difficult to cover on your own, even if you have extensive savings. That’s why you should turn to your own insurance policy as well as the other driver’s. By filing claims, you could recover the compensation needed to spur your recovery forward while also stabilizing your daily living as you try to get back on your feet.
Yet, all too often car accident insurance claims are denied. If you’re unaware of the justifications insurance companies rely upon when denying these claims, then you can step right into their traps and miss out on the compensation that you deserve. That’s why in this post we want to look at some of the top reasons why insurance claims are denied. Armed with this information, you’ll hopefully be in a stronger position to successfully navigate your personal injury case and the recovery process.
The insurance company is not your friend. They’re out to make money, and one of the easiest ways for them to do that is to deny claims. With that in mind, here are some of the top justifications they use when denying claims:
- Lapse in coverage: The insurance company doesn’t have to pay you if you weren’t covered at the time of the accident. They might argue that you failed to timely pay your premiums or that the policy in question doesn’t extend so far as to cover the type of accident that occurred. Be sure to review your policy so that you know what’s covered.
- Lack of medical evidence: The insurance company isn’t going to give you the benefit of the doubt, so if your medical evidence is lacking, then they’ll likely refuse to pay you for your medical care. Therefore, you need to gather all of your medical records, seek out recommended treatment, and secure your doctor’s opinion about your diagnosis and prognosis for submission to the insurance company. You don’t want to give them any room for interpretation when it comes to your injuries.
- You have a pre-existing condition: As they scour your medical records, the insurance company might find that you have a pre-existing medical condition. If that’s true, then the insurance company is probably going to do everything they can to try to pin your pain and mobility issues on that existing condition, as doing so will allow them to sidestep your claim and avoid payment.
- You were responsible for the accident: In many instances, insurance doesn’t cover damages that are suffered through your own wrongdoing. Therefore, if after review of the evidence the insurance company thinks that you’re to blame for the accident, then they might be quick to deny your claim, leaving you without the resources you need.
These are just some of the issues you might face as you pursue your car accident insurance claim. You might run into other issues, too, like delayed claims processing or underpayment. Regardless of the problems you’re facing, you need to be prepared to effectively counter them.
Don’t miss out on the car accident compensation you deserve
You need financial resources in the aftermath of your car accident, as this compensation may be the only way for you to pay your medical expenses and offset your lost wages. That’s why it’s imperative that you know how to competently and confidently navigate the process. Only then will you be able to fight for the outcome you want and deserve while standing a chance of actually securing it.