In the event that you are injured in an accident that was caused by someone else, you probably expect that their insurance company will provide just compensation for your expenses that have resulted from the injury. Policyholders invest in car insurance or a medical plan, or have employer-provided workers’ compensation coverage, with the expectation that they will help you when needed.
Unfortunately, insurance companies do not always provide the benefits they promise. It is entirely possible that an insurance provider will deny or undervalue your claim. When this happens, what should you do?
Why Do Insurance Companies Deny Claims?
All accident cases vary, and there are a number of reasons why an insurance company may deny your claim.
Some of the most common reasons for insurance claim denial include:
- They believe their policyholder is not liable for the accident. If the cause of the accident or the cause of the resulting injuries are in question, your claim could be denied.
- The specific situation is not covered by the plan, or they were not covered at the time. An insurance company may justify a claim denial based on exceptions in their policy. Unpaid premiums at the time of the accident can also contribute to a lack of coverage.
- The accident wasn’t reported. Car accidents must be reported to insurance companies as soon as possible. If an insurance company is not made aware of the accident in an acceptable amount of time, they may have reason to deny your claim.
What Should I Do if My Claim Was Denied?
If you have been injured, and an insurance company refuses to provide the compensation you are entitled to, contacting an experienced lawyer should be your first priority.