What Should I Do After My Claim is Denied?

The consequences of sustaining an injury after an auto accident can be devastating, making life for victims exceedingly difficult. The financial expenses can be just as damaging to victims as the physical injuries. However, not every car accident claim gets approved. So what do you do when your claim gets denied? 

This issue is more common than people think. If you believe that your valid car accident claim was denied, talking to an auto accident lawyer like one from Ward & Ward Law Firm can give you legal assistance so that you can challenge the denial and keep your legal rights protected. 

Why was my claim denied?

An insurance company can deny your claim for several reasons. It can be denied for small errors on your application, such as your name misspellings or putting an incorrect address. Some of the most common reasons claims are denied include:

• The value of your claim exceeded your insurance coverage. If your claim results in $100,000 of medical expenses and your coverage only goes up to $75,000 the remaining balance will not be covered under insurance. 
• Your information is not accurate or detailed. You may not have put enough detailed information in your application, such as not reporting specific parts or enhancements to your vehicle. 
• You were breaking traffic laws. If you were driving with an expired license or driving drunk prior to the accident, it can result in your claim getting denied. 

If you find out that your claim was denied, here are the next steps that you should take: 

Learn your legal rights 

Become familiar with your rights as an accident victim. Having a basic understanding of your rights is recommended so that you can make informed choices. 

Request mediation

You may have the option of settling your dispute through mediation. An arbitrator will hear your case and obtain an estimate to determine the value of your total losses. 

Hire an experienced lawyer 

To improve your chances of challenging your claim successfully, hire a skilled lawyer who has helped clients with rejected claims. They will be able to offer you legal advice and represent you in court if necessary. 

If your auto accident claim was denied, don’t panic. There are options that you can look into, and you may still be able to recover the compensation you need. Schedule a consultation with an auto accident lawyer now to learn about your options.