When you get into a car accident and submit a claim to an insurance company, the last thing you want to deal with is a denial of that claim. It can be frustrating to negotiate with these companies and get the compensation that you deserve, but you do not have to attempt this on your own. Instead, talk to a Prince George’s County car accident lawyer from our firm and learn more about how we can help you with any insurance issues.
Why Would an Insurance Company Deny a Claim?
An insurance company can come up with plenty of reasons to deny a claim. An insurer can claim that:
You don’t have evidence of fault: If you are trying to show that a company’s insured driver caused you accident, you need evidence. If the insurer believes that you don’t have enough evidence, they can say that their driver isn’t at fault.
You have a pre-existing condition: The insurance company may claim that the accident didn’t cause your injuries. You have a pre-existing condition that causes the issue.
Your expenses were not essential: The insurer does not dispute that you had medical expenses, but it believes that your expenses were inessential. Basically, you just went to the doctors for no reason.
Can My Own Insurance Company Deny My Claim?
Some of our clients are even more confused when their own insurance company denies their claim, but this is also a possibility. There are a few reasons why your insurer might try to deny your claim. Common issues include making the wrong type of claim or trying to use coverage that you do not have, like collision. You may also be asking for more money than your policy can provide, like if you ask for $30,000 after an accident with an uninsured person but you only carry $25,000 in uninsured driver coverage.
What Can I Do Next?
If any insurance company denies your claim, the next step is to file an appeal. At this point you need to really show why your claim should be honored. Having as much evidence as possible, including medical records and photos and videos of the crash, is advised.
Do I Need a Lawyer?
A lawyer can also help you handle your appeal. We have experience negotiating with insurers. We can help you file a compelling appeal and help you fight for the compensation that you deserve. If this fails, we can help you pursue a personal injury lawsuit.
Schedule Your Consultation
If you are struggling to deal with an insurance company after an accident, contact McCarthy, Winkelman & Mester, L.L.P. and schedule a consultation with our team. Our initial case consultations are free and there is no obligation. So take the time to learn more about what our lawyers can do for you.
