December 10, 2020 |
, The Barnes Firm
Car accidents can happen to anyone at any time. When you are involved in an accident and each party has the proper insurance, the situation should be straightforward, but often it is not. Unfortunately, insurance companies can and do deny a car accident claim.
The Barnes Firm expert personal injury attorneys explain insurance companies often deny claims, which leaves accident victims responsible for medical bills, repair costs, and more. If you’ve been injured in a car accident and have had your insurance claims denied, you need to call an experienced car accident lawyer—such as those at The Barnes Firm—to protect your rights and get the compensation you need to pay your bills.
Let’s explore the reasons your claim may be denied and what to do if it is:
Common Reasons Car Insurance Deny a Car Accident Claim
Each state has unique laws and regulations for car insurance companies. As with most states, California is an at-fault state, which means the at-fault driver is responsible for damages to the involved parties. In at-fault states, the at-fault driver’s insurance compensates the victims up to the limits of the at-fault driver’s policy. Lawsuits are not restricted in at-fault states.
In no-fault states, each driver’s insurance company compensates the policyholders for the cost of injuries, no matter which driver was deemed at-fault. Victims may sue the at-fault driver for pain and suffering only if the state’s criteria are met in relation to the severity of their injuries.
Of course, car insurance companies often deny claims. The most common reasons for claim denial include:
- A lack of full insurance coverage on your car insurance policy. For full coverage, your policy should include:
- Liability (covers damages for which you are responsible)
- Collision (covers repairs to your vehicle even if you are at-fault)
- Comprehensive (covers any damage not accident related)
- PIP (personal injury protection, required in no-fault states, covers medical expenses for you and your passengers)
- Uninsured/Underinsured Motorist (covers expenses if you are in an accident with an uninsured/underinsured motorist)
- You failed to report the accident in a timely manner.
- You were operating your vehicle under the influence of alcohol or drugs.
Next Steps if Your Claim is Denied
If you were involved in a car accident and your claim was denied, the first step is to ask for a written explanation. If you feel your claim was denied unjustly, you have the right to dispute the decision or file a lawsuit if you feel the company is acting in bad faith.
Call on The Barnes Firm for Guidance After Your Accident
The Barnes Firm’s expert personal injury attorneys are ready to help you after your accident, particularly if your insurance claims have been denied.
If you or a loved one has been injured in an accident, let the California law firm’s accident lawyers review your case and guide you through the complex details regarding your injuries, damages, insurance, and legal options to ensure you get the settlement you deserve.
Call (800) 800-0000 anytime for your FREE consultation.