So you have just been injured in a car accident through no fault of your own. You’ve filed the accident report, notified the insurance company made a claim on the negligent driver’s insurance and provided all of the documentation. However, just when you thought you will be compensated for the damages, your claim is denied and you have to pay out of pocket.
When this happens frustration and fear are common reactions but if you can find out why your claim was rejected, you can work with a car accident lawyer and get it validated.
However, before suing the car insurance company, consider some reasons why they denied your claim. Here are some of them that can make you liable:
You do not qualify for the insurance under the policy. For instance, if you are a teenager and you are not mentioned in your parent’s policy because they do not expect you to drive their car.
You are not covered for the claim that you made. For example if you drive an older model you may only be covered for liability rather than collision coverage.
You claimed that the other driver was uninsured when in fact they were insured for the accident.
The extent of the damage claimed exceeds the policy limits and the excess cannot be covered by insurance.
You failed to pay the premium on time and your coverage lapsed.
You failed to update the insurance company after buying a new car and did not add it to the policy on time.
If your claim is denied, you can follow the appeals process which every insurance company offers. However, a Boca Raton car accident lawyer can ensure your second attempt bears fruit by making sure you have all of the documents needed to address the issue and the reasons for the denial. He/she can also submit those documents to the insurance company on your behalf.
Here are some things the lawyer will be able to help you determine:
Your case was misrepresented by the insurance company regarding the policy and coverage you signed up for.
The company did not settle the claim even though the liability was unclear.
The company failed to conduct a thorough investigation to support your claim and denied it without proof.
The company tried to settle the claim with a low ball offer or an offer that was less than what your claim was worth.
The only way you can find out whether your claim was denied because of your negligence or not is to hire a car accident lawyer Boca Raton who is proficient in car insurance claims.
