Even if the blame for a car crash seems clear to you, an insurance company might still find a way to deny your claim. If you were injured in a crash and someone else is to blame, this does not have to be the end of your fight for compensation. A San Angelo, Texas car accident lawyer from our firm can help.
Why Would an Insurance Company Deny a Claim?
There are many reasons why an insurance company would try to deny your claim. The other driver’s insurer can try to argue about:
Fault: If the other driver’s car insurance company does not believe that its insured driver is at fault, it certainly is not going to want to pay out. This is why it’s important to gather as much evidence as you can and build a convincing case.
Your medical treatments: An insurer might try to argue that you weren’t really seriously injured in the crash. If you wait to get medical treatment, this is when they can use it against you. So it’s important to seek treatment as soon as you can. The insurance company might also try to deny a claim because they think that the medical treatments you did seek out were inessential.
A pre-existing condition: If you are suffering injuries from a car crash, the other driver’s insurer might try to claim that your health problems are related to a pre-existing condition rather than the aftermath of a collision with its insured driver.
If the other driver was clearly at fault and your claim is denied, that is when you get the chance to file an appeal. A lawyer can assist you with this. Having evidence like witness testimony, surveillance footage, and medical records can be helpful here.
Can My Own Insurance Company Deny My Claim?
In some cases, your own insurance company can also end up denying your claim. Sometimes these issues are easier to fix or a result of simple mistakes, but it can still be irritating to have your own insurer reject a claim. Common issues include:
You don’t have the right type of coverage: An example of this would be if you want to make a collision claim to repair damage to your vehicle, but your policy doesn’t include collision coverage.
You made the wrong type of claim: Maybe you made an uninsured claim, but the other driver is actually insured.
Damages exceed the policy limits: Insurance policies have limits and cannot pay out above a certain amount.
When Can I Sue For Compensation?
If you appeal and are unsuccessful, this is when you would file a lawsuit. This can bring the insurance company to the table and encourage them to negotiate. If this fails, then matters can be settled in court.
Schedule Your Free Case Consultation
When you are ready to learn more about your legal options, contact the Mathis Law Firm. Car crashes can leave behind devastating injuries that completely upend your life. We want to help you fight for the compensation that you deserve.
