When your car accident insurance claim is denied, you are likely to experience apprehension about your physical recovery and financial stability. However, this does not have to be the end of the road for you; a car accident lawyer will help review your options for financial recovery.
If you don’t agree with your claim’s denial, you may be able to appeal the insurance company’s decision. Your attorney will also determine if litigation is viable in your situation.
At DiBella Law Offices, P.C., we give our clients all the information they need to make an informed decision about their claim. Our Boston car accident lawyers will help review your options and find the best path to financial recovery. Our personal injury law firm serves multiple locations across Massachusetts and New Hampshire. Call us today to discuss your next steps.
Common Reasons for a Car Accident Insurance Claim Denial
Car accident insurance claim denials can occur for a variety of reasons. However, understanding the reasoning behind the insurance company’s decision will help you better navigate the situation.
The insurance company often denies car accident claims for the following reasons:
- Insufficient evidence: Inadequate documentation or a lack of clear evidence regarding the accident can lead to claim denial.
- Policy exclusions: Some policies may have specific exclusions that make certain types of accidents or circumstances ineligible for coverage.
- Late reporting: Failing to report the accident promptly can result in a claim denial, as timely reporting is typically a requirement.
- Misrepresentation: Providing inaccurate or incomplete information on the claim form can lead to rejection.
- Coverage disputes: A disagreement between the insurer and the policyholder regarding the extent of coverage can result in a claim denial.
The above list is not exhaustive, and other reasons may be behind your denied claim. An experienced car accident lawyer will help you determine what prompted the insurance company’s decision and what steps you should take next.
Review the Denial Letter From Your Insurance Company
When insurance companies deny a car accident claim, they typically send a formal denial letter to the policyholder. This denial letter is a crucial communication outlining why the claim was not approved. It usually includes detailed information, such as insurance policy limits and the insurer’s assessment of the claim.
The denial letter serves as an essential point of reference for the policyholder to understand the rationale behind the denial and decide on their next course of action, whether it be an appeal, further communication with the insurer, or seeking legal advice. The document helps both parties navigate the claims process.
If you are unsure about the reason for the denial, you can request additional clarification from the insurance company. Ask for references to specific policy provisions or documents that influenced the decision. If you have legal representation, your personal injury lawyer can communicate with the insurance adjuster on your behalf.
Appeal the Insurance Company’s Decision
When you believe your claim should have been approved, the next step is often to appeal the insurance company’s decision. To initiate the process, you typically follow the process outlined in the denial letter sent by your insurer.
The appeals process includes the following key steps:
- Draft a well-structured appeal letter that clearly addresses the reasons for the denial.
- Provide any additional evidence or documentation supporting your case (such as complete medical records showing the extent of your injuries).
- Add detailed photos from the car accident scene.
- Describe why you believe your claim should be reconsidered.
- Submit the appeal to the insurance company.
- Await a decision on the appeal.
- Monitor the progress of your appeal.
The appeal process reviews your case from a fresh perspective, potentially reversing the initial decision. Work with a local car accident lawyer to ensure that you meet the deadlines and requirements in the appeal process specific to your state.
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Consider Filing a Personal Injury Lawsuit Against the At-Fault Party
If the insurance company’s decision remains unchanged, your attorney will help you explore other options for financial recovery, such as pursuing a personal injury lawsuit. If you have grounds to sue, you may seek compensation directly from the at-fault party responsible for the accident.
This legal recourse allows you to present your case in court and recover damages for medical expenses, pain and suffering, and other accident-related losses. Your attorney will help you determine if this is viable for you and build a strong case on your behalf, proving the defendant’s liability and the extent of your damages.
Since you have a limited time to file a lawsuit, the sooner you start the process, the better your chances of a successful outcome. The statute of limitations changes between states, generally between one and six years. To learn what deadline applies to your case, consult a lawyer.
A Car Accident Lawyer Will Help With Your Insurance Claim
At DiBella Law Offices, P.C., we understand how fragile your financial security can be after an accident and want to help you recover. If the insurance company denies your car accident claim, we can help plan your next steps.
From the initial denial decision to negotiating with insurance companies, our car accident lawyers will always represent your interests. We are also prepared to represent you in court to secure the compensation you deserve. Contact our law firm today to schedule a free case review.