Why You Might Have Received an Insurance Claims Denial
You’ve been involved in an accident and you’ve been injured. You know that, even though many aspects are up in the air at this moment, at least your insurance company will pull through for you when you need them the most…right? Insurance is supposed to always have your back, which is why you pay your premiums and work toward a claim that will help you through this difficult time. If you have been involved in an accident for the first time, you want the process to go as smoothly as possible so that you can get back on your feet once more.
This is why you might be surprised when you are like the thousands of others every year who receive an insurance claim denial. You feel as if you have followed through with every step and they’re still denying you the money to replace your property and pay for your injuries when the medical bills continue to pile up against you. Many people think that they are offered these protections no matter what and are surprised to find that it does not always work this way. If you have been denied when it comes to your claim, there are options for you; do not give up.
Information to Help Your Claim
Not having enough information about the accident certainly leads to insurance denials every year. This is why it is imperative to gather as much evidence as possible from the beginning so that you can get started on bringing a claim and working toward the compensation you need to get back on your feet. You want to find out as much information about the other party in your accident, such as their license plate number, an accurate description of their vehicle, the full name and contact information of the other driver, and any witness information that you believe could be helpful in your case.
However, as you might find, you might have followed these rules to the T and your insurance claim was still denied, which can leave you in a desperate and difficult position. If you haven’t received a full denial, it might be partial and they might tell you that they’ll only be covering a portion of your damages. Either one of these issues can feel like a slap on the face and so it is important to know the many reasons why insurance claims get denied every year.
Biggest Reasons for Insurance Denials
Your Plan: If the type of accident that you experienced is not covered under your policy, then your claim might be denied and there is no way around this.
Your Recklessness: Were you under the influence at the time of your accident or you were texting and driving or engaging in another type of reckless act? The insurance company might try to deny your claim on this basis because they might believe that you caused the situation.
Not Reported Quickly: After an accident, you should report it right away. If you wait too long to file a claim or receive any help with your accident, you might be denied.
Damage Exceeds Limits: Insurance is not meant to be an endless fund. If your damages are enormous and stretch well beyond the parameters of your insurance coverage, you could be denied.
When It’s Time to Call an Attorney
In other cases, you might find that an insurance company is working in bad faith and might be denying your claim on no basis at all. In these cases, it might be time to handle your case with the help of an experienced attorney on your side who has used their skills to help clients in the past. At Katz, Kantor, Stonestreet & Buckner, our dedicated personal injury attorneys have helped many clients with their insurance disputes in West Virginia when they believe they are being unfairly denied. Please contact us today to find out how we can assist you at 304-431-4050.