Has Your Car Accident Claim Be Denied?

It’s not uncommon for an injured victim to file a claim, and later it’s denied. While some reasons are valid, others don’t hold water and the insurance company can be said to be acting in bad faith.

If your personal injury claim has been denied, you need to secure your legal rights promptly. This guide contains information on why your claim could have been denied and how to do about it. car accident, accident law, car crash

Why Your Personal Injury Claim Is Denied

If your insurance company has sent you are a letter of denial; this doesn’t mean you will not be compensated for your injuries. Instead, this means that you need to have a firmer stand on the matter. If your claim has been denied, you may need to contact Bakersfield personal injury lawyer to help you take the required steps to fight back. There are many reasons why this may happen. Some reasons could be:

• Lack of enough evidence. When the insurance company has questions about fault, this becomes a recipe for a claim’s denial. For instance, you may have suffered from a car accident and no clear evidence of liability. The claim adjuster may argue out that you were also to blame for your injuries. When filing your personal injury claim, it’s vital to show proof of negligence. This puts the defendant under obligation to pay for any damages they cause.

• The nature of the accident is not covered under the terms of the policy.

• Delay in reporting an accident. If an insured is reluctant in reporting an accident within the required period of time, their claim may be denied depending on the issues surrounding your claim.

• The defendant is not covered under the policy or has not coincided with California car insurance requirements.

• The policy lapsed due to non-payment of premiums.

If you believe another person is to be blamed for your injuries, you might be anxious about their insurance coverage that will be used to cover your injuries. For instance, if you were involved in a slip and fall accident and believed the property owner was liable, you may be concerned with the liability coverage of their homeowner policy. Determining such helps you weigh out whether you will have the chance to collect your damages.

How Do I Respond To A Coverage Denial?

Dealing with an insurance company is overwhelming. But with the correct legal representation, you can appeal the decision. To do this, you should:

• Write a letter to request an explanation of the denial. You should request for a written explanation with all information of why your claim was denied. The written information should show the reasons why whatever you presented as evidence is not correct. That way, you have a chance to counter the information. Fortunately, if you don’t get a written explanation, you have the right to write to the insurance that the claim adjuster has refused to explain the denial of the claim. In such circumstances, it pays to have a personal injury lawyer guide you on how to pressure the insurance company.

• Write a letter back explaining why you disagree with the insurance company’s decision.

• Support your appeal. If you had filed a claim for medical bills or any other damage, you should include every detail of medical records you deem vital; you may also get testimony from friends and family.

• Hire a personal injury lawyer. Insurance adjusters will take anyone who has a legal representation seriously. In such a case, you should choose an experienced lawyer who has dealt with such kind of cases before.

If the adjuster gets to know you are not ready to abandon your settlement. They will agree to concur with the settlement negotiations. If still there are issues about coverage, your lawyer will advise you on whether there are any possible strategies to use to seek compensation. If you are sure that another driver’s negligence caused injuries, you might want to learn more about whether such a person has insurance coverage and whether it has lapsed.

Talk To A Lawyer

Except in very rare cases, no one should proceed with a case denial without having a personal injury lawyer handle their case. Your lawyer will be quick to offer a free consultation to ensure you understand the details of your claim. That way, you learn of the loopholes and what may be the target of the claim adjuster. Remember that you don’t have to pay upfront fees; your lawyer will charge you on a contingency fee basis; if you don’t win, they don’t receive any payment.

When you think about how much the defendant was negligent and the compensation you deserve, you cannot wait to retain a lawyer to help you fight back in case of claim denial. Your lawyer will tell you whether to settle and, if the settlement fails, advise you on how to file a lawsuit for your personal injury claim,