If your insurance claim was wrongfully denied, don’t worry – you’re not alone. Many people have their claims denied for a variety of reasons. In this blog post, we’ll go over some of the most common reasons for the denial and what you can do to dispute the decision. Keep in mind that every situation is different, so it’s important to speak with an attorney if you have any specific questions about your case.
You are Partially Or Wholly At Fault
One of the most common reasons for a claim denial is that the insurance company believes you were partially or wholly at fault for the accident. If you disagree with this decision, you can submit additional evidence to support your case. This might include witness statements, photos of the accident scene, and so on. Also, be sure to check your state’s laws – in some states, you can still recover damages even if you’re partially at fault.
For example, in the state of California, you can recover damages as long as you’re less than 50% at fault. So, if you file a bad faith claim, and they deny you, there still are chances that will happen to be in your favor. Another example refers to a situation when you are found to be at fault, you might still be able to negotiate a settlement with the other party involved in the accident.
The example of this case is as follows: you’re involved in a car accident with another driver. Both you and the other driver sustained injuries and damage to your vehicles. The other driver’s insurance company denies your claim, stating that you were the cause of the accident. However, after reviewing the evidence, you believe that the other driver was actually at fault. In this case, you would likely need to hire an attorney to help you dispute the insurance company’s decision.
You Didn’t Receive a Medical Evaluation
Another common reason for denial is that the insurance company believes you didn’t receive a medical evaluation after the accident. Again, this is something you can dispute by submitting additional evidence. If you went to the emergency room or saw your doctor shortly after the accident, be sure to get copies of your medical records and submit them to the insurance company. These documents will help to show that your injuries were caused by the accident. Also, they will help to establish the extent of your injuries and the necessary treatment. If your injury requires long-term treatment, such as physical therapy, be sure to keep all of your records and receipts. These will be important when you’re trying to recover damages.
You Don’t Have a Diagnosed Injury
One final common reason for denial is that the insurance company believes you don’t have a diagnosed injury. This can be a tricky situation because it’s often hard to prove an injury without a diagnosis. However, there are some things you can do to increase your chances of success. First, get a copy of your medical records and submit them to the insurance company. You can do this even if you haven’t been diagnosed with an injury. Second, get a letter from your doctor explaining why you believe you have an injury. This letter should include information about your symptoms, how long you’ve been experiencing them, and so on. Third, get letters from witnesses who can attest to the fact that you’ve been injured. For example, if you have a family member who has seen you in pain, they can write a letter explaining what they’ve seen.
If you have a diagnosed injury, but the insurance company claims it’s not related to the accident, this is also something you can dispute. In many cases, it’s simply a matter of getting additional evidence from your doctor. They can write a letter explaining how your injuries were caused by the accident. And this can often be enough to get the insurance company to approve your claim. If they don’t approve it, you can always file a lawsuit.
Of course, there are other reasons why a claim might be denied – for example. If the claim exceeds your maximum coverage or if there’s a liability dispute. But no matter what the reason, remember that you have the right to appeal the insurance company’s decision. If you have any questions about how to do this, be sure to speak with an attorney.
As you can see, there can be many obstacles in fighting these cases, but with the right documentation. So, you can have a much higher chance of winning your case and getting the money you deserve. Also, be sure to stay within the time limits for filing a claim, as this can be another factor in whether you win or not. Stay focused and don’t give up, and you’ll have a much better chance of success.