Insurance Company Denied My Claim – If you are seeking compensation for a car accident, you should be aware that insurance companies may deny car accident claims for a variety of reasons. Even if the driver was not at fault for the car accident, your claim could still end up being denied. Here are five reasons why car accident insurance claims are denied:

Understanding the terms and extent of coverage of an auto insurance policy is important for drivers and vehicle owners. If a driver engaged in certain behaviors that voided coverage, the insurance company will likely deny the claim entirely. For example, driving under the influence of alcohol or drugs, or texting while driving, will almost always void your insurance coverage.

Insurance Company Denied My Claim

Insurance Company Denied My Claim

If a driver engaged in certain behaviors that voided coverage, the insurance company will likely deny the claim entirely.

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In other cases, if an accident occurred when an unlicensed driver was using the covered vehicle with the owner’s permission, that claim would likely also be denied. Ultimately, if the driver of the vehicle violates the terms of their insurance policy, the carrier will not pay compensation.

Intentional wrongdoing aside, if there is doubt about which driver caused the accident, the insurance companies involved may not agree on who is responsible for paying the claims. If the affected driver’s insurance company believes the insured party is not at fault, they will attempt to hold the other driver’s insurance company responsible for the accident. This can also happen with the other driver’s insurance company, resulting in a dispute between the insurance companies that can leave those affected at an impasse. What you do after an accident can have a huge impact on the outcome of your case, so it’s important to know what to do after a car accident.

Even if a driver thinks they did not suffer any injuries after a car accident, they should still get a medical evaluation immediately after the collision. This is because many common injuries, such as whiplash symptoms or many types of head injuries from car accidents, will not appear or be felt until days or even weeks later. Without having a medical evaluation after the fact, it can be much more difficult to prove that the personal injuries you suffered were a result of the car accident.

If a driver waits too long to have an injury diagnosed and documented to present it to the insurance company, the insurance company may dispute whether or not this happened in the accident, even in the case of a catastrophic injury. If the driver cannot prove that the injury was caused by the accident, the insurance company may refuse to pay your medical bills.

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The driver must ensure that his automobile insurance policy meets or exceeds his overall needs. For example, if a vehicle is worth $100,000 and an accident occurs with a driver who has $50,000 in coverage, the claim could potentially be denied unless the driver has additional coverage in place. If the damage exceeds the affected driver’s auto policy limits, the claim will be paid up to the policy limits or the insurance company may deny it.

Insured drivers have a responsibility to notify their insurance company immediately after an accident. California residents must notify their insurance company within 10 days of a car accident if anyone involved is killed or injured; or if the accident caused more than $1,000 in damage.

California residents must notify their insurance company within 10 days of a car accident if anyone involved is killed or injured;

Insurance Company Denied My Claim

If the insurer is not notified in a timely manner, regardless of whether injuries or fatalities have occurred, the insurer may claim that it did not have adequate time to investigate the claim while the evidence was still available.

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If a car accident claim is denied but the insurance company does not provide a reason, the insurance company may be acting in bad faith. Bad faith essentially means that an insurance company is denying, understating, or delaying a claim for unethical reasons. An insurance company that acts in bad faith has effectively breached its contract with the policyholder and could face legal consequences.

Insurance companies may act in bad faith if a claim is denied without a legitimate reason, if they make the process as slow as possible so that the insured cannot move forward, or if they drastically understate the claim without explaining why.

Fighting with an insurance company after a car accident is the last thing you want to deal with. While many claims can be processed and paid without issue, many are denied – some with little or no reason for doing so. If you or someone you know has been involved in a car accident and your claim has been wrongfully denied, a California car accident lawyer can review and explain your legal options. At Curtis Legal Group, our attorneys charge no upfront fees and we offer free, comprehensive case reviews. Contact our office today for more information about how we can help you recover what you are owed after a car accident. “Expert Verified” means that our Financial Review Board has thoroughly evaluated the article for accuracy and clarity. The Review Board is made up of a panel of financial experts whose goal is to ensure our content is always objective and balanced.

Written by Natalie Todoroff Written by Natalie TodoroffArrow Right Writer, Insurance Natalie Todoroff is an insurance writer for , before writing for a popular insurance comparison app. After graduating with a B.A. in English, she initially pursued a career in book publishing. Now, she’s focused on moving from professional reader to professional writer. Natalie Todoroff

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Edited by Maggie Kempken Edited by Maggie KempkenArrow Senior Right Editor, Insurance Maggie Kempken is insurance editor at . She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help readers navigate complex information about home, auto, and life insurance. She also focuses on ensuring that insurance content represents and is in line with the brand. Maggie Kempken

Reviewed by Mark Friedlander Reviewed by Mark FriedlanderArrow Right Director of Corporate Communications, Insurance Information Institute Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance. Connect with Mark Friedlander on Twitter Twitter Connect with Mark Friedlander on LinkedIn Linkedin About our Mark Friedlander Scoreboard

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Insurance Company Denied My Claim

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Insurance Company Denied My Claim

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