Causes When Insurance Company May Deny Your Automobile Accident Claims

If you were involved in a vehicle accident, one of your primary worries is likely to be how your insurance company will handle your claim. You may believe that the settlement you’ve been offered is insufficient to properly repay you for what you’ve gone through in terms of medical treatments, lost time from work, a ruined or damaged automobile, and so on. 

Each insurer employs a different set of financial databases, tables, and calculators to calculate the value of your injuries. There might be a genuine reason they refused your claim, or there could be a wholly fabricated justification. The insurance carrier is also incentivized to earn a profit, which it achieves by paying out as little money as possible for each claim submitted.

You Were Entirely At Blame For The Collision:

It’s critical to comprehend the terms of your insurance company’s policy contract. Your insurance provider is not obligated to pay your claim if you participated in an activity that would terminate your coverage.

You Did Not Provide A Medical Examination:

If you’ve been in an accident, you should seek medical attention right away. Some injuries take days or weeks to manifest after an event. It may be challenging to show that the incident caused your injuries without an urgent assessment of your condition.

You Haven’t Been Diagnosed With An Injury:

You could be scared and terrified after an accident, but if a doctor doesn’t identify a diagnosable injury, you won’t be able to collect an insurance reimbursement for medical treatment. Insurance is designed to cover your financial losses as a result of an accident. For example, you could feel whiplash or moderate back pain due to an accident, but you won’t be able to collect from insurance if you don’t receive medical care.

The Claim Amounts To More Than Your Maximum Coverage:

Your coverage must meet or exceed your requirements. What if your automobile is worth $100,000 and you get into an accident with a motorist who only has $50,000 in insurance? If this happens, unless you have uninsured motorist coverage, they may dismiss your claim.

Bad faith occurs when an insurer makes the procedure so difficult and time-consuming that you cannot proceed, essentially preventing a payout. If you believe this is happening to you, an insurance bad faith litigation specialist like Brach Eichler Injury Lawyers can help. A bad faith lawsuit can help you obtain damages like interest, mental anguish, consequential economic losses, legal costs, and punitive penalties, in addition to what the insurance would have covered.

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