How To Fight Auto Insurance Claim Denial – It can be difficult to know what to do immediately after you have been involved in a traffic accident. Suddenly you have a whole new set of problems, from seeking medical treatment to dealing with the police. One of the steps you should not forget – or delay – is filing an insurance claim after the car accident. The sooner you start, the sooner you will get resolution and be able to move on with your life.
Here you can learn how to report an accident to an insurance company, what the auto insurance claims process in Oklahoma entails, and what to do if your insurance company denies your claim.
How To Fight Auto Insurance Claim Denial
If you, any passengers, and your vehicle are out of harm’s way and no one needs immediate medical attention, it’s best to start filing your auto insurance claim. In Oklahoma, the at-fault driver and their insurance company are responsible for damages. However, even if you are not at fault, you should contact your own insurance company to notify them of the situation.
What Happens If Your Insurance Claim Is Denied
However, reporting a car accident to your insurance company doesn’t start with a phone call. You must first collect important information. The procedure for reporting an accident to the insurance is as follows:
How long you have after a car accident to file a claim with an insurance provider will depend on the carrier and your specific policy. That said, any insurance company is going to insist that you report an accident as soon as possible, or at least within a reasonable time. You should interpret that as a few days, maybe a week or two, depending on your circumstances.
It is important not to procrastinate. Remember: Insurance companies make their money by limiting payouts. Don’t give them any excuses to reject your claim.
There are a few situations when you may not want to file an auto insurance claim. If you were in a single car accident, no one was hurt, you didn’t damage anyone else’s property, and the damage to your own vehicle would cost less than the deductible on your auto insurance, then you may not want to report it. Using car insurance can trigger an increase in the monthly premiums. However, if your traffic accident does not fit into that very narrow category, you should call your insurance company immediately.
When Insurance Companies Refuse To Pay Valid Claims
You do not need to give a recorded statement to any insurance company, no matter what they may require. It may not seem out of the ordinary, but insurance companies can use these recordings to look for ways to deny or limit car accident insurance claims. If someone contacts you claiming to be from insurance and asking to record your statement, politely say no and contact a car accident attorney right away.
It is important to remember that the other driver’s insurance company is only interested in protecting their customers and limiting their payment to you. Your first call should be to your own insurance company, whose job it is to look after your interests. The next call you make should be to an attorney who can stand up for your rights during the auto insurance claims process. Whatever you do, do not agree to be recorded or sign anything that the other driver’s insurance sends you until you speak with a car accident attorney.
The entire car insurance claim process, from car accident to insurance settlement (and getting back on the road), varies depending on your specific situation, but the following is the basic sequence of events:
There is no guarantee that an insurance company will honor your claim. Some reasons why an insurance claim may be rejected:
What To Do If Geico Denies Your Car Accident Claim
If an insurance company denies your car accident claim, your best bet is to contact an attorney who can handle your case on your behalf. And the surest way to help the case is to collect and keep as much information about the accident as possible. That is why it is so important to collect evidence at the scene of the accident. For example, if the other driver’s insurance company denies that their policyholder is at fault, the photos you took or the statements you collected right after the accident could prove you right — even if you have to file a lawsuit.
Sometimes an insurance company acts in bad faith. That’s when they unfairly deny or limit coverage for a legitimate claim, often simply because they can. Bad-faith tactics can include stalling, lowballing, failing to explain benefits, and even abuse. Insurance companies know that many people do not have the resources to wait for a settlement or fight in court. The only way to get fair treatment in these circumstances is to enlist the help of an experienced law firm to match the insurance company’s legal team.
Depending on the type of auto insurance you have and how good it is, you may be compensated for medical bills, the cost of auto repairs, towing expenses, rental car fees, and even lost wages. Damages that cannot be claimed through insurance can be recovered from the at-fault driver in a lawsuit.
Moving on after an accident is tough enough without having to deal with insurance companies. Even if you’ve never missed an insurance premium, obeyed the law, and followed all the rules, there’s no guarantee that you’ll get a fair car accident insurance claim settlement. If you have been involved in a car accident in Oklahoma, call the experienced legal team at McIntyre Law. We will fight to make sure you get the compensation you deserve. Think about this. You just had some major property damage to your home and you go to file a claim, but your home insurance claim is denied. No money to fix the damage for you! It is one of the worst things that can happen next to the property damage itself. Let’s find out why home insurance claims are denied, what to do after you’ve been denied, and everything you need to know about claim denials.
How To File A Car Insurance Claim
There are a few reasons why a claim may be denied by your insurance company. It’s important to know these reasons even if you haven’t experienced a denied homeowner’s insurance claim to prevent them from happening.
Insurance claims may be denied due to typical wear and tear. This is the most common type of denied homeowner’s insurance claim. This is when there are injuries that have occurred over a long period of time, as opposed to injuries that occur all at once. This is not covered by standard insurance.
For example, let’s say you have an old sewer pipe leaking in your basement, but you didn’t know it happened since you don’t spend much time down there. One day you go down and see water on the ground and realize what has happened. Unfortunately, you will not be covered by your insurance company to fix the damage and your water damage claim will be denied.
Fortunately, this will sometimes only result in partial denial. Your insurance company may not cover the cost of a new pipe, but they may cover the damage it caused (water damage). This will be covered in a standard HO3 special form.
What Is An Insurance Dispute
If your property is vacant for more than 30 days and you have some form of property damage (fire damage, water damage, vandalism, theft), the insurance company will not cover the damage that has occurred.
If you are going to invest in expensive appliances in your home, it makes sense to have them covered by an equipment holder on your insurance.
Under a standard home owner’s insurance policy, you will not be covered for damage resulting from equipment breakdown. For example, you have a power surge that breaks the TV, the refrigerator, the washing machine and the dryer. Even if the damages may exceed your deductible that you wish to claim, your insurance company will deny this. Unless you have equipment breakdown cover which can be added to your insurance if you want cases like this to be covered.
Damage to your property, even accidental, will be denied. If you are up on the roof setting up a dish and you go through your roof and create a hole, unfortunately your insurance company will not cover this and your home insurance claim will be denied.
Things Car Insurance Companies Don’t Want You To Know
If you have animals or pests in the home that cause damage, regardless of the size of the damage, you cannot make a claim for this. You must pay out of your own pocket for these damages.
If you have the wrong policy for your home and how your home is used, your home insurance claim will be rejected. If you use your home as a rental property and you do not have the correct policy (rental insurance/landlord insurance), your insurance company may refuse your claims. Sometimes they will cover parts of your claim such as housing and contents, but deny loss of income from the tenants. Make sure you get the right policy to avoid this!
Although you usually think that mold is covered by your insurance, it depends on the mold. Mold is only covered if it comes from another hazard (eg
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