Insurance companies may make things more difficult for you if you are already injured because of an accident. An auto accident claim is a request made by the injured person so that he can handle the financial losses in a better way. If the claim gets rejected, he may feel depressed and helpless. In such a scenario, it is advised to get legal help because a number of attorneys take up these cases and help you win the claim successfully. He can suggest the best way to deal with auto accident claim denials.
Reasons for claim denials
You may feel frustrated when the insurance company sends you a message that your claim has been rejected. Some of the reasons it may give are:
- The negligent party is not covered under the policy.
- The policy has lapsed.
- The location or nature of the accident was not covered under the policy.
- The injured person does not qualify for compensation as per the state’s laws.
If you have not hired an attorney yet, things may get even more complicated. That’s why, it is suggested to contact him before filing a claim. Since he has been in this industry for a long time, he is well-versed with the state laws and factors to keep in mind while filling up the claim form.
How to respond to rejection
In many cases, it is not a good idea to sit back and leave it without following up. Your auto accident lawyer will suggest to you the best way to deal with the insurance company. He will ask the adjuster to explain the denial in writing specifically the terms in the policy that has caused the rejection.
In case, the adjuster does not agree to explain it in writing, you should write back to him about the rejection, his refusal to explain and the denial of the claim. The insurance companies do not want to receive such letters from anybody. They will act swiftly after receiving it from you and take the necessary steps.
In many cases, if the victim gives them the hint that he is not ready to leave the compensation, the insurance company may approach him with an offer. The amount is generally lower than your expectations. Your auto accident attorney will be able to fight for your rights. He will either negotiate with the insurance company or file a lawsuit.