What If Insurance Company Denies Claim

What If Insurance Company Denies Claim – What to do if your accident is denied by the insurance company in the Dallas-Fort Worth area Get a free consultation

We see it more often than we’d like: The insurance company rejects your claim after a car accident has left you injured and in debt.

What If Insurance Company Denies Claim

Every year, 43,000 car insurance claims are rejected. Learn how our car accident attorneys fight a denied claim and how you can too.

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Depending on the circumstances surrounding your accident, you may file a claim with your auto insurance company. When it comes back rejected, find out why.

Insurance companies only cover the protection in your plan. For example, you have tried to file a claim after an accident with an uninsured motorist. If you do not have uninsured motorist coverage, your insurance company will deny the claim.

You may be excluded from the policy if you are a teenager on your parents’ policy or if you have recently separated from your spouse, who is the policy owner.

The insurance company will reject claims that are incomplete or inaccurate. For example, you forgot to sign the claim or left your vehicle identification number.

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Your insurance company may rightfully reject your claim if you fail to add a new car to your policy.

Texas is a guilty state. If you were injured in an accident that was not your fault, you can file a claim against the other party’s insurance.

Insurance companies often try to point the finger at the person making the claim. If they claim you are guilty, they don’t have to pay.

If you did not receive medical treatment immediately after the crash – provided your injuries were not life-threatening – the insurance company may believe that you were not injured.

What If The At Fault Driver’s Insurance Company Denies My Car Accident Claim?

Insurance companies want documentation of liability. They will reject your claim if you do not show how the other party caused the accident.

Whiplash is a common injury after a car accident. However, the insurance company may reject your accident claim if you have a pre-existing condition for neck pain. They can also turn you away if they feel you have received medical treatment that is deemed “unnecessary”.

However, you can still receive payment from the insurance company. Here are suggestions for what to do if the insurance company denies your car accident claim.

It is your right as a consumer to know why the insurance company denied your claim. Sometimes it was a simple mistake on their part. If the refusal was intentional, ask for a written explanation.

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Get evidence if the insurance company rejected your claim due to lack of evidence against the other party. An excellent place to start is by requesting a copy of the accident report from the Texas Department of Transportation. The accident report has information from the officer at the scene, including any moving violations or charges against the other driver.

Ask your healthcare provider for medical evidence of your injuries, such as x-rays or scans. You can also ask for a written evaluation.

Your best chance to appeal is to directly address the questions or concerns that caused the company to deny your claim in the first place. For example, if the insurance company denied your claim because you didn’t include proof of fault, make sure you have a copy of the accident report, witness statements, and other evidence.

Pro tip: Address your appeal to a claims adjuster by name, not just the company or a department. When you send your appeal to an individual, you can follow up by phone or email.

What Can I Do If An Insurance Company Denied My Car Accident Claim?

If the insurance company denies your claim again, it may be time to get help. Anderson personal injury attorneys deal with insurance companies all the time. We know what to include in a detailed request letter that increases the likelihood of a payout. Furthermore, we are tough negotiators. A car accident attorney at our firm will demand top dollar for your injuries.

Contact us today for a free, no-obligation consultation. Let us help you when the insurance company rejects your claim. We work on a “no win, no fee” basis. You get experienced legal help with no upfront costs or risk.

If you have been injured in an accident in Fort Worth or Dallas and need legal help, contact our car accident attorneys at Anderson Injury Lawyers to schedule a free consultation. One of the most disappointing things that can happen after a car accident is having your claim denied by an insurance company. What could make the experience even more frustrating is how diligently you worked to follow the “rules” by filing a police report, gathering supporting documentation, and submitting your evidence promptly.

Even if you follow every step of the process perfectly, it is still possible for your claim to be denied. However, it is important to know that a rejection does not have to be the end. There are additional steps you can take if your claim is denied, but you still want to seek compensation for the injuries you have sustained.

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There are several reasons why an insurance company may reject your claim. In fact, when an insurance company denies your claim, they must notify you in writing of why they choose to do so. Some of the most common reasons why claims are denied include:

Although you can appeal your claim regardless of why it was denied, it is often best to pursue an appeal with the help of a qualified personal injury attorney. An attorney will be able to help you gather the documentation you need and help you effectively express why you believe your claim is valid.

Insurance company claim denial appeal processes can be tedious and require you to follow various protocols. If you make just one or two small mistakes, your appeal could be at risk of rejection.

Either before or after the appeals process, another course of action you may decide to take is to file a lawsuit against the insurance company. Obviously, if you intend to file a lawsuit, you should hire an attorney to help you with your case. If you choose to go this route, it is also important that you understand your chances and the higher level of scrutiny your case will come under.

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For example, not every rejection of a claim is grounds for suing. In some cases, an insurance company may have reason to reject a claim. On the other hand, insurance companies are private companies whose main business is to make a profit. Large claims can be a threat to an insurer’s bottom line, and many have been known to outright deny claims or offer very low settlements in an attempt to increase profitability.

If this is the case in your situation, you may have a bad faith case against the insurance company. Every insurance company has a duty to act in good faith to settle claims, and if they fail to do so, a lawsuit can be an effective tool to get them to pay the damages they should.

A key to knowing how to move forward with a claim denial is finding the right attorney. A competent and experienced car accident attorney will be able to fairly evaluate your case to determine if the insurance company acted in bad faith. Many personal injury attorneys offer free consultations and work on contingency fees, so there is little risk in contacting one to get a feel for the validity of your case.

In many situations, simply by involving an attorney, an insurance company will see how serious you are about your claim and begin to take steps toward a fair settlement. If it doesn’t happen right away in your case, your attorney will know how to help you write a compelling claim, gather additional evidence you may have overlooked, and finally request the insurance company’s documentation so he or she can get a sense of the case they have for denying the claim.

What To Do If The At Fault Driver’s Insurance Won’t Pay?

Dealing with insurance companies can be time-consuming and stressful. Especially after a rejection letter arrives in the mail. Instead of handling the complex claims process on your own, get a personal injury attorney involved as soon as possible. The right attorney will know how to effectively represent you and your case and will do everything they can to get you the compensation you deserve.

You do not have to pay for damages and injuries that another person is responsible for. A personal injury attorney can help you find justice.

For more information, contact the Houston car accident law firm of Attorney Brian White Personal Injury Attorneys by calling (713) 500-5000. “Expert verified” means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Review Board consists of a panel of financial experts whose aim is to ensure that 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 which she wrote for a popular insurance comparison app. After graduating with a B.A. in English, she initially pursued a career in book publishing. Now she has focused on switching gears from professional reader to professional writer. Natalie Todoroff

How An Auto Accident Lawyer Can Help If Your Claim Has Been Denied

Edited by Maggie Kempken Edited by Maggie KempkenArrow Right Senior Editor, Insurance Maggie

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