What Happens If My Car Accident Claim Is Denied by the Insurance Company?

When you file a claim, you expect your losses to be covered. However, when the insurance company denies your claim, you may be unsure how to proceed. Please continue reading to learn the steps you should take after receiving a denial and how an experienced Morris County Car Accident Attorney can help you navigate your legal options.

Why Do Insurance Companies Deny Claims?

Auto insurance is a vital investment for any motorist. In addition to providing financial safety in the event of a crash, it makes it much easier for motorists to ensure compliance with state laws and recover the compensation they need. However, car accident claims can sometimes be denied. Insurance companies may deny car accident claims for numerous reasons, including:

• Lack of coverage
• Exceeding the policy limit
• Breaking the law (driving without a license, driving under the influence, exceeding the speed limit, etc.)
• Delay in filing the claim
• History of making false claims
• Pre-existing damage
• Delay in medical evaluation
• Insufficient evidence
• Bad faith

It’s important to be aware of the reasons why claims are denied and how you can prevent this from happening. This is not an exhaustive list. There are other reasons that your car accident claim may be denied in New Jersey. Therefore, it’s crucial to consider the steps you can take once you receive a denial.

What Should I Do if My Car Accident Claim Is Denied by the Insurance Company?

In the unfortunate event that your car accident claim is denied by the insurance company, you should carefully review the denial letter. From here, you should enlist the help of a seasoned car accident attorney who can help you navigate this process and build a stronger case to dispute the denial.

The steps you need to take will vary depending on the reasoning for the denial. If the denial letter states that you didn’t provide enough evidence to support your claim, you should submit as much of the missing evidence as possible. This may include a copy of the police report, witness statements, pictures of the accident scene, medical records, and more.

If you don’t have sufficient evidence to support your claim, you should consider filing an appeal. Your attorney can help you explain why you believe the denial is incorrect and provide supporting evidence. You should note that your insurance policy will describe the steps you need to follow, including the deadlines you must meet.

If you believe that the claim denial was unjustified, please don’t hesitate to consult a car accident attorney from Lutz Injury Law, who can help you fight for the compensation you deserve and need to get your life back on track. Connect with our firm today to discuss your options.