No one wants to be involved in a car accident, but they are a part of life sometimes. If you were injured in a car crash due to the negligence of another driver, you likely just want to heal and get back to your life. At least with fair compensation for your losses and injuries. One of the most frustrating parts of being involved in a collision is dealing with car insurance companies who are far more concerned about protecting their bottom line than they are about paying out fair claim settlements. When you are trying to negotiate a fair settlement and you aren’t getting anywhere, you may be wondering, “What should I do if the insurance company denies my claim?” We dive into what happens after Insurance Claim Denied!
What Should I Do if the Insurance Company Denies My Claim?
If your insurance company denies your car accident claim, don’t give up! There are several things you can do to turn the situation around:
Consult a car accident lawyer
If your claim has been wrongfully denied or you’re unsure about your rights, consider consulting with a car accident attorney. They can provide legal advice tailored to your specific situation and help you understand the options available to you. They can also help you with all the steps listed below.
Review the denial letter
Carefully read the denial letter provided by the insurance company. Understand the reasons they cited for denying your claim. This information will help you determine your next course of action.
Contact the insurance company
Reach out to the insurance adjuster assigned to your case to seek clarification on why your claim was denied. Ask for a detailed explanation of their decision. Sometimes, there may have been a misunderstanding or an administrative error that can be rectified through communication. In some cases, they simply need more information.
Gather all evidence
Collect all the relevant documentation and evidence related to your accident and claim. This may include photographs, witness statements, medical records, police reports, and any other supporting documents. This evidence will be crucial if you need to appeal the denial or seek legal action.
File an appeal
If you believe the denial was unjustified or incorrect, you can file an appeal with the at-fault insurance company. Follow their instructions on how to proceed with the appeal process and provide any additional evidence or information they require. Keep track of all communication and documentation related to the appeal.
Contact your state insurance department
If the insurance company continues to deny your claim unfairly, you can reach out to the Office of the Insurance Commissioner Washington State to submit a complaint. They can provide guidance on your rights as an insured individual and help mediate the dispute between you and the insurance company.
Remember, each situation is unique, and the specific steps you need to take may vary depending on your location and the details of your insurance policy. Consulting with an attorney is particularly important if you encounter complex legal issues or if the denied claim involves significant damages.
Contact a car accident lawyer today!
A car accident lawyer can help you recover a full and fair settlement for the injuries you sustained in a car accident with no up-front costs to you. We know the sneaky strategies used by insurance companies to get injured people to agree to settlements far below what they are worth. Our clients typically end up with a settlement or jury award that is five to ten times larger than they could have negotiated on their own. We have been representing people injured in Whatcom County, Skagit County, Island County and Snohomish County since 1979. Contact the experienced and hard-working personal injury lawyers at Tario & Associates, P.S. in Mount Vernon, WA today for a FREE consultation!