Imagine that you have been in a car accident and injuries were sustained. Despite the stress and uncertainty of the situation, you take comfort in knowing that you will have a rightful claim to file with your insurance company. Unfortunately, it is not uncommon for insurance companies to reject valid claims. We at Beaty Legal, PLLC can attest to this because we used to work for these insurance companies. However, we also want to let you know that you should not lose hope if your insurance company denies you the benefits you feel you deserve.
We wanted to publish this blog to explore the procedural aspects of an insurance claim following a car accident. This will guide you in responding effectively if your insurance company is unwilling to fulfill its obligations. Additionally, we will give you valuable tips on how to appeal the denial to maximize your chances of a favorable outcome.
The Insurance Process
In the wake of a car accident, it is critical that you promptly contact your insurance company to initiate your claim. An insurance adjuster will be assigned to investigate the accident and determine liability. In some instances, they may conclude that you are at fault and may not provide you with certain benefits. Texas is an at-fault state which means that the person who caused the accident is responsible for covering other people’s injuries and any damage that resulted from the accident. Depending on your policy, your insurance may cover this too.
This can become more complex when the insurance company denies your claim. When this happens, you must first understand why the claim was denied. A common reason why this happens is due to inadequate coverage because of the policy you opted into. Here are some other reasons:
- Non-compliance with claims procedures could result in a claim being denied. This is when someone fails to comply with the company’s identified procedures for submitting a claim.
- If there is a question of fault, your insurance company may claim that the other driver’s insurance company is liable for the damages because their client caused the accident. Granted, the other driver’s company may do the same.
- Lastly, the insurance company may claim that your injuries were unrelated and were not a result of the accident.
Remember that you have the right to appeal the decision when this happens. You can contact your insurance company and request that they review it. Though they may still uphold their initial decision, the fight is not over.
How to Fight the Decision
Get in touch with a personal injury attorney with experience speaking and dealing with insurance companies. Because we understand how insurance companies operate, we can compile comprehensive evidence to support your claim. This may include the following:
- Medical reports
- Police reports
- Witness statements
All of this will be presented to the insurance company alongside a well-drafted letter that conveys why the denial was erroneous. Keep in mind that when a company rejects your claim, there are more options to explore.
Choose Beaty Legal, PLLC to Fight for YouWhen your insurance company denies your benefits, don’t give up. Whereas they may seem larger and more powerful than you, you have rights. Contact Beaty Legal, PLLC, today to schedule a complimentary consultation. We will provide you with the guidance you need about your rights and options and vigorously advocate on your behalf to secure the compensation you are entitled to.
