Car Insurance Claim Denied? Here Is What To Do Next

When you get into an accident, you expect to file a claim with your insurance company and get the settlement you deserve. Unfortunately, it doesn't always work out that way. Here are some things to do if your original claim is denied.

Find Out Why it Was Denied

The first thing you should do when you receive a letter from your insurance company saying your claim was denied is to look at the reasons why. Many of these letters are clear with the reason they denied it. It might be due to lack of coverage, a lapsed insurance policy, or issues with who is at fault for the accident. If the adjuster believed you to be at fault, they can deny the claim, but don't give up. If you know the accident was not your fault, there is still hope of filing an appeal and getting your settlement.

Gather Proof of the Accident and Injury

After you have determined the reason why the claim was denied, you can begin gathering proof of the accident and injury. For the accident, good proof includes any photographs you took at the scene of the accident, witness testimonies, and the original police report. If you received an injury during the accident, gather medical documents as well. You should have receipts and paperwork for the trip to the emergency room, treatments or procedures for the injury, and any prescriptions you take. If you were sent to a specialist or had to pay deductibles and co-pays, bring along that information as well.

Contact an Attorney

At this point, you should be contacting an attorney that specializes in car accidents and personal injury cases, such as Sarkisian, Sarkisian & Associates PC, if you don't have one already. You will likely be filing for an appeal of the denial, which requires legal assistance. You will be much more successful if you can consult a legal professional about the matters as they can help you prepare the appeal. Make sure you choose an attorney that has experience with these types of cases, including filing appeal.

File for an Appeal

The last step is to get together with your attorney and prepare the appeal. There should be information on the original claim denial letter that instructs you how to appeal the decision. It is best when settled out of court, so hopefully you won't need to file a lawsuit against the insurance company. In many cases, they are willing to settle, even if you get less than what you hoped for from the settlement.

About Me

Understanding How To Obtain Accident Compensation Through The Court System

Hello, I am June Miazaki. When I was in my early thirties, I found out that I lost my parents in a horrible car accident. They lost their life due to the actions of a drunk driver who was claiming they were to blame for the collision. Since I was emotionally and financially devastated by this loss, I needed help handling the accident proceedings. I wanted to have my parents' funeral and vehicle damage covered by the negligent party's insurance. I also wanted to obtain financial compensation to stay afloat while dealing with my grief. I hired a personal injury attorney to help me file a case with the courts. I will share information about the process of filing a case like this with the courts from beginning to end. I hope that the stories I tell will help other people through a similarly difficult time.

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